Miami County, Ohio

County Distress Index: Normal · 49.7 | 110,876 people · 50th most distressed in Ohio
American Default Research

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Miami County, OH falls within the normal range for household financial distress at 49.7 — 1593rd nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing costs consume a moderate share of household income. Within Ohio, it ranks 50th of 88 counties. Among its 5 neighboring counties, 3 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Miami County's primary driver is Housing Cost Burden at 63.2 — above the national median.

Housing Cost Burden Primary driver 63.2
Rent-Burdened (30%+) 63
Severely Rent-Burdened (50%+) 67
Mortgage-Burdened (30%+) 60
Homeownership Rate 55
Economic Vitality 58.2
Wage-to-Rent Ratio 69
Rent-to-Income Ratio 41
Business Formation Rate 63
House Price Change (YoY) 46
Legal Distress 57.4
Bankruptcy Filing Rate 57
Consumer Credit Distress 47.9
Debt in Collections 46
Medical Debt 66
Auto Loan Delinquency 60
Credit Card Delinquency 48
Uninsured Rate 18
Subprime Credit Population 39
Structural Poverty 24.0
Unemployment Rate 49
Poverty Rate 17
Income vs. State Median 21
Child Poverty Rate 16
Disability Rate 21
Transfer Income Dependency 24

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Miami County
Miami County, OH 49.7 Normal —
Clark County, OH 69.1 Serious +19.4
Montgomery County, OH 66.5 Serious +16.8
Champaign County, OH 47.6 Normal -2.0
Shelby County, OH 42.2 Normal -7.5
Darke County, OH 38.3 Normal -11.3

Population Peers

CountyScoreZonevs. Miami County
Kerr County, TX 49.7 Normal +0.0
Cape Girardeau County, MO 49.7 Normal +0.1
Racine County, WI 49.6 Normal -0.1
Berkshire County, MA 49.6 Normal -0.1
Wagoner County, OK 49.6 Normal -0.1

Download Data

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

Find Help in Miami 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 Miami 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 Miami County, Ohio?

    Miami County has a County Distress Index score of 49.7 out of 100, placing it in the Normal zone. It ranks 1,593rd nationally out of 3,144 counties and 50th in Ohio out of 88 counties.

  • What drives financial distress in Miami County?

    The primary driver of distress in Miami County is Housing Cost Burden, where the county scores 63.2 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Miami County compare to neighboring counties?

    Miami County (49.7) can be compared to its 5 neighboring counties: Clark County, OH (69.1); Montgomery County, OH (66.5); Champaign County, OH (47.6).

  • 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). Miami County's score of 49.7 sits in the Normal zone (46–55).

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

    Miami 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 Miami County?

    Miami County, Ohio has a population of approximately 110,876 (2023 Census estimate), classified as a mid county.