Champaign County, Ohio

County Distress Index: Normal · 47.6 | 38,845 people · 55th most distressed in Ohio
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Champaign County, OH falls within the normal range for household financial distress at 47.6 — 1736th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are well above the national average. Within Ohio, it ranks 55th of 88 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. Champaign County's primary driver is Legal Distress at 69.9 — above the national median.

Legal Distress Primary driver 69.9
Bankruptcy Filing Rate 70
Consumer Credit Distress 56.2
Debt in Collections 62
Medical Debt 86
Auto Loan Delinquency 34
Credit Card Delinquency 64
Uninsured Rate 19
Subprime Credit Population 57
Economic Vitality 43.0
Wage-to-Rent Ratio 42
Rent-to-Income Ratio 18
Business Formation Rate 84
House Price Change (YoY) 43
Housing Cost Burden 33.4
Rent-Burdened (30%+) 40
Severely Rent-Burdened (50%+) 14
Mortgage-Burdened (30%+) 73
Homeownership Rate 37
Structural Poverty 32.2
Unemployment Rate 52
Poverty Rate 12
Income vs. State Median 32
Child Poverty Rate 21
Disability Rate 33
Transfer Income Dependency 41

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Champaign County
Champaign County, OH 47.6 Normal —
Clark County, OH 69.1 Serious +21.5
Miami County, OH 49.7 Normal +2.0
Madison County, OH 46.9 Normal -0.8
Logan County, OH 45.2 Normal -2.5
Shelby County, OH 42.2 Normal -5.4
Union County, OH 25.5 Healthy -22.2

Population Peers

CountyScoreZonevs. Champaign County
Iron County, MI 47.6 Normal -0.0
Marion County, AR 47.6 Normal -0.1
Lee County, IA 47.7 Normal +0.1
Marion County, MO 47.7 Normal +0.1
Gratiot County, MI 47.5 Normal -0.2

Download Data

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

Find Help in Champaign County

Find an Attorney

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

Ohio State Bar Association Lawyer Referral Service 1-800-282-6556

Free Legal Aid

Legal aid organizations serving Champaign County residents at no cost.

Legal Aid Society of Cleveland 216-687-1900
Columbus Legal Aid Society 614-224-8374
Community Legal Aid (Akron/Canton) 330-535-4191
Ohio Legal Help
Ohio State Bar Association Lawyer Referral 1-800-282-6556
Community Legal Aid Services, Inc. (800) 998-9454
Legal Aid Society of Greater Cincinnati (513) 241-9400
Legal Aid of Southeast and Central Ohio (614) 221-7201
Legal Aid of Western Ohio, Inc. (888) 534-1432
The Legal Aid Society of Cleveland (216) 687-1900

Self-Help Resources

Ohio Legal Help — Foreclosure Self-help guides for Ohio foreclosure process and defenses
OHFA Homeowner Resources Assistance programs and housing counselor referrals

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

Need legal help? Find a foreclosure defense attorney in Ohio →

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Frequently Asked Questions

  • What is the distress score for Champaign County, Ohio?

    Champaign County has a County Distress Index score of 47.6 out of 100, placing it in the Normal zone. It ranks 1,736th nationally out of 3,144 counties and 55th in Ohio out of 88 counties.

  • What drives financial distress in Champaign County?

    The primary driver of distress in Champaign County is Legal Distress, where the county scores 69.9 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Champaign County compare to neighboring counties?

    Champaign County (47.6) can be compared to its 6 neighboring counties: Clark County, OH (69.1); Miami County, OH (49.7); Madison County, OH (46.9).

  • 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). Champaign County's score of 47.6 sits in the Normal zone (46–55).

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

    Champaign 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 Champaign County?

    Champaign County, Ohio has a population of approximately 38,845 (2023 Census estimate), classified as a small county.