Vermillion County, Indiana

County Distress Index: Elevated · 52.3 | 15,417 people · 32nd most distressed in Indiana
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Vermillion County, IN registers elevated household financial distress with a score of 52.3 — 1430th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are well above the national average. Within Indiana, it ranks 32nd of 92 counties. Among its 6 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Vermillion County's primary driver is Legal Distress at 89.5 — worse than roughly 90% of U.S. counties.

Legal Distress Primary driver 89.5
Bankruptcy Filing Rate 89
Structural Poverty 61.5
Unemployment Rate 30
Poverty Rate 41
Income vs. State Median 79
Child Poverty Rate 42
Disability Rate 78
Transfer Income Dependency 77
Consumer Credit Distress 48.7
Debt in Collections 38
Medical Debt 48
Auto Loan Delinquency 38
Credit Card Delinquency 67
Uninsured Rate 8
Subprime Credit Population 69
Housing Cost Burden 45.1
Rent-Burdened (30%+) 66
Severely Rent-Burdened (50%+) 27
Mortgage-Burdened (30%+) 28
Homeownership Rate 51
Economic Vitality 45.1
Wage-to-Rent Ratio 26
Rent-to-Income Ratio 62
Business Formation Rate 89
House Price Change (YoY) 9

Scores are percentile-based: 50 = national median, higher = more distressed.

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Vermillion County
Vermillion County, IN 52.3 Elevated —
Vigo County, IN 70.3 Serious +18.0
Vermilion County, IL 58.1 Elevated +5.8
Parke County, IN 46.4 Normal -5.9
Edgar County, IL 40.7 Normal -11.6
Fountain County, IN 38.0 Normal -14.3
Warren County, IN 35.8 Normal -16.6

Population Peers

CountyScoreZonevs. Vermillion County
Crawford County, IN 52.3 Elevated -0.0
Overton County, TN 52.4 Elevated +0.1
Todd County, KY 52.2 Elevated -0.1
Fremont County, WY 52.2 Elevated -0.1
Roscommon County, MI 52.2 Elevated -0.1

Download Data

Export all distress indicators for Vermillion County as a CSV file.

Find Help in Vermillion County

Find an Attorney

Indiana State Bar Association — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Indiana State Bar Association — Lawyer Referral Service 317-639-5465

Free Legal Aid

Legal aid organizations serving Vermillion County residents at no cost.

Indiana Legal Services (ILS) 317-631-9410 (Indianapolis); 1-888-529-4917 (statewide hotline)
Legal Aid Society of Tippecanoe County 765-742-1050
Neighborhood Christian Legal Clinic 317-429-4131

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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Frequently Asked Questions

  • What is the distress score for Vermillion County, Indiana?

    Vermillion County has a County Distress Index score of 52.3 out of 100, placing it in the Elevated zone. It ranks 1,430th nationally out of 3,144 counties and 32nd in Indiana out of 92 counties.

  • What drives financial distress in Vermillion County?

    The primary driver of distress in Vermillion County is Legal Distress, where the county scores 89.5 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Vermillion County compare to neighboring counties?

    Vermillion County (52.3) can be compared to its 6 neighboring counties: Vigo County, IN (70.3); Vermilion County, IL (58.1); Parke County, IN (46.4).

  • How is the County Distress Index calculated?

    The County Distress Index uses PCA-weighted percentile scoring across five statistically derived factors: Consumer Credit Distress (47.5%), Housing Cost Burden (22.3%), Structural Poverty (13.6%), Economic Vitality (9.2%), and Legal Distress (7.4%). Each county's indicators are ranked against all 3,144 U.S. counties. A score of 50 means the county is at the national median; higher scores indicate greater distress.

  • How often is the CDI updated?

    Annually, aligned to Census American Community Survey and Urban Institute Debt in America release windows — the slowest-moving source inputs. Between annual refreshes, faster-cadence indicators (BLS unemployment, QCEW wages) may drive light mid-year updates if a specific component moves meaningfully. Current data compiled April 14, 2026; next full refresh early 2027.

  • What does the Elevated zone mean?

    The CDI divides counties into five zones: Healthy (below 46), Normal (46–55), Elevated (55–71), Serious (71–86), and Crisis (86 and above). Vermillion County's score of 52.3 sits in the Elevated zone (55–71).

  • What data sources power Vermillion County's CDI score?

    Vermillion County's CDI score draws on Urban Institute Debt in America (Equifax credit-bureau panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (LAUS, QCEW), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Every number on this page traces to one of these public sources.

  • What is the population of Vermillion County?

    Vermillion County, Indiana has a population of approximately 15,417 (2023 Census estimate), classified as a small county.