Vermillion County, Indiana
More than double the national median for bankruptcy filing rate — and 39.1× the rate of the healthiest U.S. county (Glacier County, MT — 7).
Main Findings
Vermillion County, Indiana is more distressed than 61% of U.S. counties on the County Distress Index. The driver: a bankruptcy filing rate of 285 — more than double the national median of 126. Its highest-scoring domain is Default & Legal and its lowest is Labor.
- 14th of 92 counties in Indiana on the County Distress Index — 61 · moderate-high county distress, more distressed than 61% of U.S. counties.
- A bankruptcy filing rate of 285 (U.S. median 126). Bankruptcy filing rate at the 90th percentile nationally. Source: Administrative Office of the U.S. Courts, F-5A (2025).
- Rent-to-income ratio at 23% — national median 21%, ranked at the 73rd percentile. Source: U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024).
- Subprime credit share at 28% — national median 23%, ranked at the 69th percentile. Source: Equifax data retrieved via FRED (2025).
- Disability rate at 20% — national median 16%, ranked at the 82nd percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
Neighbors span 6 CDI score labels. The 70-point drop to Warren County marks where the Indiana distress corridor ends.
Vermillion County has a moderate-high county distress score. The domain mix shows whether pressure is concentrated or spread across the profile.
The CDI gives this county a moderate-high county distress label. The domain table shows whether the score comes from debt, labor, safety-net pressure, or a mix. Its highest-scoring domain is Default & Legal.
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, ACS 5-year (2024), Vermillion County's uninsured rate indicator is at the 11th percentile. American Default Research's CDI places every other indicator in the Safety Net & Buffer domain at or above the 50th percentile. The gap stands out against the other credit indicators. Worth a call to the source agency or a local subject-matter contact in Newport.
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Vermillion County's CDI Score
Every number traces to a public source. Vermillion County's value shown alongside IN's median and the U.S. median. Full CSV available for download.
| Indicator | Vermillion | IN median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 58 · Rank 1,275 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 4% | 5% | 5% | 38th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 7% | 5% | 5% | 67th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 28% | 23% | 23% | 69th | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 64 · Rank 963 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 20% | 22% | 23% | 38th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 285 | 223 | 126 | 90th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 62 · Rank 990 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 23% | 19% | 21% | 73rd | U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 18% | 18% | 18% | 51st | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 51 · Rank 1,545 of 3,144 | |||||
| Adults 25-54 not working Share of adults aged 25 to 54 without a job, leaving out residents of prisons and other institutions (service members count as working) | 22% | 19% | 21% | 58th | U.S. Census Bureau, ACS 5-year (2024) |
| Unemployment (average of monthly rates) Share of labor force unemployed, averaged over the monthly rates published for September 2025 to August 2026 (no figures published for October 2025) | 4% | 3% | 4% | 44th | U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025) |
| Safety Net & Buffer — domain score 53 · Rank 1,459 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 17% | 15% | 17% | 50th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 20% | 16% | 16% | 82nd | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 13% | 11% | 13% | 51st | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 4% | 7% | 8% | 11th | U.S. Census Bureau, ACS 5-year (2024) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index scores household financial distress from 0 to 100 for all 3,144 U.S. counties. A county's score is the share of U.S. counties it is more distressed than. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the five domains are averaged, and that average is ranked against every other county to give the score.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), Equifax data retrieved via FRED (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), U.S. Bureau of Labor Statistics (Local Area Unemployment Statistics), Administrative Office of the U.S. Courts (F-5A bankruptcy filings), and U.S. Department of Housing and Urban Development Fair Market Rents. Data vintages range from 2024 to 2027 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Vermillion County data.
Draft wire copy 127-word AP-style article — use freely with attribution
NEWPORT, Ind. — Vermillion County is more distressed than 61% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Vermillion scores 61 out of 100, which means it is more distressed than 61% of U.S. counties; its score label is moderate-high county distress. Within Indiana, Vermillion ranks 14th of 92 counties.
The index, which draws on 14 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies default & legal as the primary driver in Vermillion. A bankruptcy filing rate of 285 — more than double the national median of 126.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Vermillion County's CDI score, and what does it mean?
What drives Vermillion County's distress score?
How does Vermillion County compare to its neighbors?
How is the County Distress Index calculated?
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