Lake County, Michigan
Above the national median for rent-to-income ratio — and 2.6× the rate of the healthiest U.S. county (Loving County, TX — 10%).
Main Findings
Lake County, Michigan is more distressed than 74% of U.S. counties on the County Distress Index. The driver: a rent-to-income ratio of 26% — above the national median of 21%. Its highest-scoring domain is Debt Burden (housing basis) and its lowest is Default & Legal.
- 11th of 83 counties in Michigan on the County Distress Index — 74 · high county distress, more distressed than 74% of U.S. counties.
- A rent-to-income ratio of 26% (U.S. median 21%). Rent-to-income ratio at the 89th percentile nationally. Source: HUD FMR (FY2027); U.S. Census Bureau, SAIPE (2024).
- Child poverty rate at 36% — national median 17%, ranked at the 95th percentile. Source: U.S. Census Bureau, SAIPE (2024).
- Unemployment (average of monthly rates) at 7% — national median 4%, ranked at the 95th percentile. Source: U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025).
- Subprime credit share at 25% — national median 23%, ranked at the 57th percentile. Source: Equifax data retrieved via FRED (2025).
Neighbors span four CDI score labels. The 40-point drop to Mason County marks where the Michigan distress corridor ends.
Lake County has a high county distress score. The score label gives the intensity; the rank gives the national position.
The CDI gives this county a high county distress label. The rank belongs beside the score because the two answer different questions: score intensity and national position. Its highest-scoring domain is Debt Burden (housing basis).
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, SAIPE (2024), 36% of children under 18 in Lake County live below the federal poverty line, versus 17% nationally. When a county's adult poverty rate is accompanied by a materially higher child poverty rate, the gap typically reflects single-parent household concentration or limited access to workforce-participation supports (childcare, transportation). Worth a call to the local school district's free-and-reduced-lunch coordinator or a regional United Way affiliate.
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 Lake County's CDI Score
Every number traces to a public source. Lake County's value shown alongside MI's median and the U.S. median. Full CSV available for download.
| Indicator | Lake | MI median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 43 · Rank 1,822 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 3% | 4% | 5% | 14th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 6% | 5% | 5% | 57th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 25% | 19% | 23% | 57th | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 42 · Rank 1,926 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 23% | 20% | 23% | 50th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 94 | 114 | 126 | 33rd | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 86 · Rank 253 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 26% | 21% | 21% | 89th | 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 | 24% | 20% | 18% | 82nd | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 69 · Rank 791 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) | 20% | 22% | 21% | 43rd | 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) | 7% | 5% | 4% | 95th | 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 85 · Rank 204 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 36% | 17% | 17% | 95th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 24% | 17% | 16% | 95th | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 24% | 13% | 13% | 95th | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 7% | 5% | 8% | 45th | 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 Lake County data.
Draft wire copy 125-word AP-style article — use freely with attribution
BALDWIN, Mich. — Lake County is more distressed than 74% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Lake scores 74 out of 100, which means it is more distressed than 74% of U.S. counties; its score label is high county distress. Within Michigan, Lake ranks 11th of 83 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 debt burden (housing basis) as the primary driver in Lake. A rent-to-income ratio of 26% — above the national median of 21%.
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 Lake County's CDI score, and what does it mean?
What drives Lake County's distress score?
How does Lake County compare to its neighbors?
How is the County Distress Index calculated?
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