Warren County, Indiana

County Distress Index: Normal · 35.8 | 8,518 people · 81st most distressed in Indiana
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Warren County, IN falls within the normal range for household financial distress at 35.8 — 2434th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filings are moderately elevated. Within Indiana, it ranks 81st of 92 counties. It scores lower than all 5 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Warren County's primary driver is Legal Distress at 45.4 — above the national median.

Legal Distress Primary driver 45.4
Bankruptcy Filing Rate 45
Consumer Credit Distress 41.3
Debt in Collections 33
Medical Debt 50
Auto Loan Delinquency 9
Credit Card Delinquency 80
Uninsured Rate 16
Subprime Credit Population 50
Housing Cost Burden 29.2
Rent-Burdened (30%+) 44
Severely Rent-Burdened (50%+) 26
Mortgage-Burdened (30%+) 11
Homeownership Rate 15
Structural Poverty 28.7
Unemployment Rate 5
Poverty Rate 17
Income vs. State Median 25
Child Poverty Rate 20
Disability Rate 70
Transfer Income Dependency 31
Economic Vitality 26.0
Wage-to-Rent Ratio 19
Rent-to-Income Ratio 5
Business Formation Rate 87
House Price Change (YoY) 5

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Warren County
Warren County, IN 35.8 Normal —
Vermilion County, IL 58.1 Elevated +22.3
Tippecanoe County, IN 55.8 Elevated +20.0
Vermillion County, IN 52.3 Elevated +16.6
Benton County, IN 51.3 Elevated +15.6
Fountain County, IN 38.0 Normal +2.3

Population Peers

CountyScoreZonevs. Warren County
Hamilton County, IL 35.7 Normal -0.0
Gentry County, MO 35.7 Normal -0.0
Pawnee County, NE 35.8 Normal +0.0
Granite County, MT 35.8 Normal +0.1
Gallatin County, IL 35.7 Normal -0.1

Download Data

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

Find Help in Warren 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 Warren 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 Warren County, Indiana?

    Warren County has a County Distress Index score of 35.8 out of 100, placing it in the Normal zone. It ranks 2,434th nationally out of 3,144 counties and 81st in Indiana out of 92 counties.

  • What drives financial distress in Warren County?

    The primary driver of distress in Warren County is Legal Distress, where the county scores 45.4 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Warren County compare to neighboring counties?

    Warren County (35.8) can be compared to its 5 neighboring counties: Vermilion County, IL (58.1); Tippecanoe County, IN (55.8); Vermillion County, IN (52.3).

  • 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 Normal 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). Warren County's score of 35.8 sits in the Normal zone (46–55).

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

    Warren 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 Warren County?

    Warren County, Indiana has a population of approximately 8,518 (2023 Census estimate), classified as a tiny county.