Henry County, Ohio

County Distress Index: Healthy · 32.5 | 27,520 people · 80th most distressed in Ohio
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Henry County, OH ranks among the least distressed counties in the country at 32.5 — 2621st nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filings are moderately elevated. Within Ohio, it ranks 80th of 88 counties. Among its 7 neighboring counties, 6 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Henry County's primary driver is Legal Distress at 59.5 — above the national median.

Legal Distress Primary driver 59.5
Bankruptcy Filing Rate 60
Consumer Credit Distress 34.0
Debt in Collections 30
Medical Debt 63
Auto Loan Delinquency 24
Credit Card Delinquency 29
Uninsured Rate 21
Subprime Credit Population 37
Structural Poverty 29.5
Unemployment Rate 85
Poverty Rate 10
Income vs. State Median 13
Child Poverty Rate 14
Disability Rate 19
Transfer Income Dependency 44
Economic Vitality 25.8
Wage-to-Rent Ratio 17
Rent-to-Income Ratio 1
Business Formation Rate 79
House Price Change (YoY) 42
Housing Cost Burden 24.8
Rent-Burdened (30%+) 22
Severely Rent-Burdened (50%+) 31
Mortgage-Burdened (30%+) 32
Homeownership Rate 12

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Henry County
Henry County, OH 32.5 Healthy —
Lucas County, OH 66.8 Serious +34.4
Williams County, OH 49.5 Normal +17.0
Hancock County, OH 44.7 Normal +12.2
Wood County, OH 41.0 Normal +8.5
Defiance County, OH 39.6 Normal +7.2
Fulton County, OH 34.0 Healthy +1.5
Putnam County, OH 25.6 Healthy -6.9

Population Peers

CountyScoreZonevs. Henry County
Rockbridge County, VA 32.5 Healthy 0.0
Le Sueur County, MN 32.5 Healthy +0.0
Cherokee County, IA 32.5 Healthy +0.0
Archuleta County, CO 32.5 Healthy +0.0
Currituck County, NC 32.5 Healthy +0.0

Download Data

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

Find Help in Henry 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 Henry 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 Henry County, Ohio?

    Henry County has a County Distress Index score of 32.5 out of 100, placing it in the Healthy zone. It ranks 2,621st nationally out of 3,144 counties and 80th in Ohio out of 88 counties.

  • What drives financial distress in Henry County?

    The primary driver of distress in Henry County is Legal Distress, where the county scores 59.5 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Henry County compare to neighboring counties?

    Henry County (32.5) can be compared to its 7 neighboring counties: Lucas County, OH (66.8); Williams County, OH (49.5); Hancock County, OH (44.7).

  • 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 Healthy 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). Henry County's score of 32.5 sits in the Healthy zone (below 46).

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

    Henry 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 Henry County?

    Henry County, Ohio has a population of approximately 27,520 (2023 Census estimate), classified as a small county.