Huron County, Ohio

County Distress Index: Elevated · 55.3 | 58,199 people · 36th most distressed in Ohio
American Default Research

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Huron County, OH registers elevated household financial distress with a score of 55.3 — 1253rd 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 36th of 88 counties. Among its 7 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Huron County's primary driver is Legal Distress at 77.8 — worse than roughly 78% of U.S. counties.

Legal Distress Primary driver 77.8
Bankruptcy Filing Rate 78
Consumer Credit Distress 60.2
Debt in Collections 59
Medical Debt 78
Auto Loan Delinquency 60
Credit Card Delinquency 64
Uninsured Rate 39
Subprime Credit Population 56
Structural Poverty 57.6
Unemployment Rate 94
Poverty Rate 47
Income vs. State Median 54
Child Poverty Rate 61
Disability Rate 53
Transfer Income Dependency 49
Housing Cost Burden 46.2
Rent-Burdened (30%+) 36
Severely Rent-Burdened (50%+) 51
Mortgage-Burdened (30%+) 51
Homeownership Rate 54
Economic Vitality 30.6
Wage-to-Rent Ratio 20
Rent-to-Income Ratio 21
Business Formation Rate 83
House Price Change (YoY) 12

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Huron County
Huron County, OH 55.3 Elevated —
Richland County, OH 58.3 Elevated +3.0
Crawford County, OH 55.9 Elevated +0.6
Lorain County, OH 54.9 Elevated -0.4
Erie County, OH 52.5 Elevated -2.8
Seneca County, OH 51.6 Elevated -3.7
Sandusky County, OH 46.7 Normal -8.6
Ashland County, OH 45.0 Normal -10.3

Population Peers

CountyScoreZonevs. Huron County
Coweta County, GA 55.3 Elevated -0.0
Madison County, MS 55.3 Elevated +0.0
Washington County, OK 55.2 Elevated -0.1
Pickaway County, OH 55.2 Elevated -0.1
Charlotte County, FL 55.4 Elevated +0.1

Download Data

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

Find Help in Huron 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 Huron 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 Huron County, Ohio?

    Huron County has a County Distress Index score of 55.3 out of 100, placing it in the Elevated zone. It ranks 1,253rd nationally out of 3,144 counties and 36th in Ohio out of 88 counties.

  • What drives financial distress in Huron County?

    The primary driver of distress in Huron County is Legal Distress, where the county scores 77.8 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Huron County compare to neighboring counties?

    Huron County (55.3) can be compared to its 7 neighboring counties: Richland County, OH (58.3); Crawford County, OH (55.9); Lorain County, OH (54.9).

  • 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 Elevated 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). Huron County's score of 55.3 sits in the Elevated zone (55–71).

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

    Huron 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 Huron County?

    Huron County, Ohio has a population of approximately 58,199 (2023 Census estimate), classified as a mid county.