Clermont County, Ohio

County Distress Index: Normal · 47.2 | 211,972 people · 57th most distressed in Ohio
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Clermont County, OH falls within the normal range for household financial distress at 47.2 — 1766th 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 57th of 88 counties. Among its 7 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Clermont County's primary driver is Legal Distress at 82.0 — worse than roughly 82% of U.S. counties.

Legal Distress Primary driver 82.0
Bankruptcy Filing Rate 82
Economic Vitality 55.2
Wage-to-Rent Ratio 71
Rent-to-Income Ratio 37
Business Formation Rate 58
House Price Change (YoY) 21
Housing Cost Burden 48.0
Rent-Burdened (30%+) 46
Severely Rent-Burdened (50%+) 43
Mortgage-Burdened (30%+) 59
Homeownership Rate 55
Consumer Credit Distress 46.6
Debt in Collections 51
Medical Debt 68
Auto Loan Delinquency 47
Credit Card Delinquency 37
Uninsured Rate 26
Subprime Credit Population 43
Structural Poverty 23.8
Unemployment Rate 52
Poverty Rate 12
Income vs. State Median 13
Child Poverty Rate 16
Disability Rate 35
Transfer Income Dependency 23

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Clermont County
Clermont County, OH 47.2 Normal —
Brown County, OH 61.0 Elevated +13.9
Hamilton County, OH 60.1 Elevated +12.9
Bracken County, KY 58.8 Elevated +11.6
Pendleton County, KY 53.7 Elevated +6.5
Clinton County, OH 52.0 Elevated +4.8
Campbell County, KY 45.6 Normal -1.6
Warren County, OH 27.7 Healthy -19.4

Population Peers

CountyScoreZonevs. Clermont County
San Benito County, CA 47.2 Normal -0.0
Floyd County, IN 47.3 Normal +0.1
Cape May County, NJ 47.3 Normal +0.1
Lincoln County, MO 47.1 Normal -0.1
Porter County, IN 47.3 Normal +0.1

Download Data

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

Find Help in Clermont 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 Clermont 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 Clermont County, Ohio?

    Clermont County has a County Distress Index score of 47.2 out of 100, placing it in the Normal zone. It ranks 1,766th nationally out of 3,144 counties and 57th in Ohio out of 88 counties.

  • What drives financial distress in Clermont County?

    The primary driver of distress in Clermont County is Legal Distress, where the county scores 82.0 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Clermont County compare to neighboring counties?

    Clermont County (47.2) can be compared to its 7 neighboring counties: Brown County, OH (61.0); Hamilton County, OH (60.1); Bracken County, KY (58.8).

  • 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). Clermont County's score of 47.2 sits in the Normal zone (46–55).

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

    Clermont 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 Clermont County?

    Clermont County, Ohio has a population of approximately 211,972 (2023 Census estimate), classified as a mid county.