Indiana Financial Distress Profile
Household debt and delinquency, bankruptcy filings, unemployment, foreclosure law and county distress scores for Indiana and its 92 counties, from federal sources, each shown beside the U.S. figure.
· Data from Federal Reserve Bank of New York, Consumer Financial Protection Bureau, U.S. Bureau of Labor Statistics, Administrative Office of the U.S. Courts, Q4 2025
Behind on your mortgage in Indiana? See your options under Indiana law →
Indiana ranks #29 of 51 jurisdictions on the State Distress Index, in the middle fifth: its score of 44 means it is more distressed than 44% of the 50 states and D.C.. County Distress Index details are listed separately for its 92 counties.
How Does Indiana Compare With the U.S.?
Indiana is above the U.S. figure on 2 of 5 household debt measures from the Federal Reserve Bank of New York for Q4 2025: auto loan delinquency (6.3%) and mortgage delinquency (1.10%). Credit card delinquency is 11.7%, 0.7 percentage points below the U.S. 12.4%; total debt per adult with a credit file is $49,330, $13,870 below the U.S. $63,200.
Credit card delinquency in Indiana is up 4.7 percentage points from 7% in Q4 2019, and total debt per adult with a credit file is 24.7% higher than in Q4 2019.
Key Statistics at a Glance
State Distress Index: Indiana
Movement since 2006
Since 2006, Indiana has eased from the 4th-most distressed jurisdiction to the 21st-most distressed, as of 2025 Q1. Its State Distress Index score fell from 92 to 60 over the same span.
Quarter-aligned back-series. Each quarter re-ranks all 51 jurisdictions on that quarter's own data, so a state's position here can sit several spots from the current reading above, which uses each input's latest value.
Domain Breakdown
The national American Distress Index reads 47.0 (Typical). The composite itself sits higher than 44% of all published quarters since 2005. Indiana's State Distress Index of 44 (moderate-low state distress) is computed from 4 equal-weighted domains covering delinquency, default and legal signals, housing-basis debt burden, and labor.
Indiana and the U.S.
Delinquency rates measure balances 90 or more days past due as a share of total balances in each loan category. Higher rates signal greater household financial stress. Debt and balance figures are per adult with a credit file, not per resident.
Download all states (CSV)Indiana and the U.S.: 5 Household Debt Measures (Q4 2025)
Source: NY Fed Consumer Credit Panel / Equifax, Q4 2025.
Similar States by Distress Level
The states ranked closest to Indiana (#29) on the State Distress Index, with the domain that scores highest in each.
| State | SDI Score | Score Label | Highest Domain |
|---|---|---|---|
| Indiana | 44 | moderate-low state distress | Default & Legal |
| Ohio | 48 | moderate-low state distress | Default & Legal |
| North Carolina | 46 | moderate-low state distress | Delinquency |
| Rhode Island | 42 | moderate-low state distress | Debt Burden (housing basis) |
Change Since 2019
Q4 2019, the last fourth quarter before the pandemic, is the baseline. Credit card delinquency is higher than in Q4 2019 in 51 of 51 jurisdictions, and auto loan delinquency is higher in 33.
| Metric | Q4 2019 | Q4 2025 | Change | U.S. Q4 2025 |
|---|---|---|---|---|
| Credit Card Delinquency | 7.0% | 11.7% | +4.7 percentage points | 12.4% |
| Auto Loan Delinquency | 5.2% | 6.3% | +1.1 percentage points | 5.2% |
| Mortgage Delinquency | 1.03% | 1.10% | +0.07 percentage points | 0.94% |
| Total Debt per Adult With a Credit File | $39,570 | $49,330 | +24.7% | $63,200 |
| Card Balance per Adult With a Credit File | $2,700 | $3,410 | +26.3% | $4,350 |
Indiana Foreclosure Law Summary
If you fall behind on mortgage payments, the steps and deadlines depend on state law. Indiana mainly uses judicial foreclosure, which goes through the courts.
Indiana is a judicial foreclosure state. All residential mortgage foreclosures must proceed through the court system under IC 32-30-10 et seq. — there is no statutory non-judicial (power of sale) foreclosure available for residential mortgages in Ind…
- Paying to stop the foreclosure: Where one interest payment or installment of principal is due and no other installment is due, the borrower can stop the foreclosure by paying the court the principal and interest due, with costs. If that is paid before final judgment, the court must dismiss the case. If it is paid after final judgment, the proceedings on the judgment are stayed, and the stay can be lifted if the borrower later misses another payment (IC 32-30-10-11). If more than one installment is due, this section does not apply by its terms, and whether you can catch up then depends on your mortgage and your lender.
How Indiana Sits Among the States
Indiana's credit card delinquency rate is 11.7%, 0.7 percentage points below the U.S. 12.4%, and ranks #20 of 51. 2 of 5 NY Fed household debt measures are above the U.S. figure, and the State Distress Index reads 44 (moderate-low state distress). The Household Debt by State roundup covers all 51 jurisdictions.
Distress by County
The County Distress Index scores every county in Indiana on a 0-100 scale using five equal-weighted domains: delinquency, default and legal, debt burden, labor, and safety net and buffer. Indiana's 92 counties average 41.7: on average, Indiana's counties are more distressed than 41% of U.S. counties. Across all 3,144 counties the average is 50.0, the middle of the scale.
Score Label Distribution
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Most Distressed Counties
| County | Score | Score Label | Top Driver |
|---|---|---|---|
| Delaware County | 85 | very high county distress | Debt Burden (housing basis) |
| Wayne County | 84 | very high county distress | Safety Net & Buffer |
| Marion County | 83 | very high county distress | Debt Burden (housing basis) |
| Vigo County | 82 | very high county distress | Debt Burden (housing basis) |
| Lake County | 82 | very high county distress | Debt Burden (housing basis) |
Least Distressed Counties
| County | Score | Score Label | Top Domain |
|---|---|---|---|
| Hamilton County | 2 | exceptionally low county distress | Default & Legal |
| Dubois County | 5 | exceptionally low county distress | Default & Legal |
| Boone County | 6 | exceptionally low county distress | Default & Legal |
| Spencer County | 7 | exceptionally low county distress | Default & Legal |
| Franklin County | 12 | very low county distress | Debt Burden (housing basis) |
The most distressed county in Indiana is Delaware County (85, very high county distress); the least distressed is Hamilton County (2, exceptionally low county distress).
Explore all 92 Indiana counties →CFPB Mortgage Complaints in Indiana
The Consumer Financial Protection Bureau has received 4,649 mortgage complaints from Indiana since 2012, 67.7 per 100,000 residents, 67.3 below the U.S. rate of 135. Indiana ranks #42 of 51 on complaints per resident.
| Year | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Complaints | 275 | 241 | 251 | 294 | 293 | 277 |
Source: CFPB Consumer Complaint Database. Filed a mortgage complaint? Search the complaint database.
Bankruptcy Filings: Indiana
The filing rate is bankruptcy cases filed in a year, from the Administrative Office of the U.S. Courts, per 100,000 residents. It does not identify household causes, motives, assets, income, or case outcomes. Indiana's rate of 263.5 is 94.4 above the U.S. rate of 169.1.
Source: U.S. Courts, Administrative Office. Table F-2: Cases Commenced by Chapter. Per-capita rates use 2024 U.S. Census Bureau population estimates.
Credit Distress: Indiana
The Federal Reserve Bank of Philadelphia's Consumer Credit Explorer reports credit health from NY Fed / Equifax credit records. 14.3% of people with a credit file in Indiana have debt in collections, 0.4 percentage points above the U.S. average of 13.9%. 17.4% have subprime credit scores (below 620), and 39.1% are credit-constrained.
Source: Philadelphia Fed Consumer Credit Explorer. Data from NY Fed Consumer Credit Panel / Equifax. Q1 2025. The U.S. average is weighted by state population (our calculation).
Economic Context: Indiana
SNAP enrollment and unemployment give context for the debt figures above. The unemployment rate measures joblessness among people in the labor force. SNAP enrollment reflects each state's program rules and reach as well as need, which is why it is not part of the State Distress Index.
Sources: U.S. Department of Agriculture Food and Nutrition Service, BLS Local Area Unemployment Statistics. Population: U.S. Census Bureau 2024 estimates.
Safety Net Strength: Indiana
The Safety Net Index measures how much support infrastructure is available to households in financial distress — combining healthcare coverage, food assistance, emergency housing funds, and legal protections. Indiana scores 42 out of 100 (Weak), ranking #27 of 51 jurisdictions.
Component Breakdown
Sources: Kaiser Family Foundation (Medicaid, 2024), USDA FNS (SNAP, June 2026), state foreclosure statutes.
Frequently Asked Questions
What is the credit card delinquency rate in Indiana?
The credit card delinquency rate in Indiana is 11.7% as of Q4 2025, ranking #20 among the 51 states and DC, 0.7 percentage points below the U.S. 12.4%. It is up 4.7 percentage points from 7% in Q4 2019.
How does Indiana's household debt compare with the U.S.?
The NY Fed reports a $49,330 total debt balance per adult with a credit file in Indiana, $13,870 below the U.S. $63,200 on the same basis. That is 24.7% higher than in Q4 2019. Indiana ranks #38 on that basis.
What is the auto loan delinquency rate in Indiana?
Auto loan delinquency in Indiana is 6.3% as of Q4 2025, 1.1 percentage points above the U.S. 5.2%. This ranks #6 of 51. The rate is up from 5.2% in Q4 2019.
What type of foreclosure process does Indiana use?
Indiana mainly uses judicial foreclosure, which goes through the courts. See our Indiana foreclosure guide for the timeline, homeowner protections and where to get free help.
What is Indiana's State Distress Index score?
Indiana scores 44 on the State Distress Index (moderate-low state distress), which means it is more distressed than 44% of the 50 states and D.C.. It ranks #29 of 51 jurisdictions, in the middle fifth. The score is built from 4 equal-weighted domains: delinquency, default and legal, debt burden on a housing basis, and labor. It ranks states against each other at one time. Separately, the national American Distress Index reads 47.0 (Typical) for the country over time. The composite itself sits higher than 44% of all published quarters since 2005.
How many CFPB mortgage complaints have been filed in Indiana?
The CFPB has received 4,649 mortgage complaints from Indiana since 2012, 67.7 per 100,000 residents, 67.3 below the U.S. rate of 135. That ranks #42 of 51. Companies responded to 98% of Indiana complaints on time.
What is the bankruptcy filing rate in Indiana?
Indiana had 18,210 bankruptcy filings in the 12-month period ending Dec 2025, 263.5 per 100,000 residents, 94.4 above the U.S. rate of 169.1. This ranks #7 of 51. Chapter 7 filings account for 56.2% and Chapter 13 for 43.4%. That is 14.4% more filings than in 2024.
What percentage of people in Indiana have debt in collections?
14.3% of people with a credit file in Indiana have debt in collections, 0.4 percentage points above the U.S. average of 13.9%. This ranks #20 of 51. 17.4% have subprime credit scores (below 620), 0.5 percentage points above the U.S. average of 16.9%. Data from the Federal Reserve Bank of Philadelphia Consumer Credit Explorer (NY Fed / Equifax), Q1 2025.
What is the SNAP enrollment rate in Indiana?
488,244 residents of Indiana received SNAP benefits in June 2026, an enrollment rate of 7.1%, 3.7 percentage points below the U.S. rate of 10.8%. This ranks #42 of 51. That is 16% fewer people than in June 2025. The rate is 1.1 percentage points below the October 2019 to February 2020 average.
How strong is Indiana's financial safety net?
Indiana scores 42 out of 100 on the Safety Net Index, ranking #27 of 51 (Weak). The score combines Medicaid coverage (20.1% enrollment rate, expansion state), SNAP enrollment (7.1%), and foreclosure legal protections. That is below the state average of 43.6.
Which Indiana counties have the highest financial distress?
Delaware County is the most distressed county in Indiana with a County Distress Index score of 85 · very high county distress. Wayne County (84 · very high county distress), Marion County (83 · very high county distress), Vigo County (82 · very high county distress) are next. Hamilton County is the least distressed at 2 · exceptionally low county distress. See all 92 counties at /counties/indiana/.
How long can foreclosure take in Indiana?
Indiana mainly uses judicial foreclosure, which goes through the courts. The timeline varies by county and case. Paying to stop the foreclosure: Where one interest payment or installment of principal is due and no other installment is due, the borrower can stop the foreclosure by paying the court the principal and interest due, with costs. If that is paid before final judgment, the court must dismiss the case. If it is paid after final judgment, the proceedings on the judgment are stayed, and the stay can be lifted if the borrower later misses another payment (IC 32-30-10-11). If more than one installment is due, this section does not apply by its terms, and whether you can catch up then depends on your mortgage and your lender. Homestead exemption: $19,300. Full details at /help/foreclosure/indiana/.
Where does Indiana rank for financial distress?
Indiana scores 44 on the State Distress Index (moderate-low state distress), which means it is more distressed than 44% of the 50 states and D.C.. It ranks #29 of 51 jurisdictions, in the middle fifth. 2 of 5 NY Fed household debt measures are above the U.S. figure. The State Distress Index domain with the highest score is Default & Legal. County Distress Index details are listed separately by county. The safety net ranks #27 (Weak).
Data Sources
NY Fed Consumer Credit Panel
State-level household debt and delinquency statistics from the Federal Reserve Bank of New York, based on Equifax credit bureau data. Published once a year with fourth-quarter figures.
American Distress Index
Composite index tracking U.S. household financial distress across five equal-weighted domains. National score as of the latest available quarter.
Indiana Foreclosure Statutes
State foreclosure law data compiled from primary statutory sources and validated against legal databases. Last verified 2026-03-10.
CFPB Complaint Database
Mortgage complaints filed with the Consumer Financial Protection Bureau, 2012–present. Density calculated using 2024 Census population estimates.
USDA SNAP State Activity
Monthly SNAP participation by state from the USDA Food and Nutrition Service. Enrollment rates computed against 2024 Census population estimates.
U.S. Bankruptcy Courts
Annual bankruptcy filings by chapter and district from the Administrative Office of the U.S. Courts. Per-capita rates computed against 2024 Census population estimates.
Philadelphia Fed Consumer Credit Explorer
Quarterly credit health metrics (collections, subprime share, delinquency, credit-constrained rates) from Equifax via the NY Fed Consumer Credit Panel.
Safety Net Index
Composite score from KFF Medicaid enrollment (2024), USDA SNAP participation (latest month), and state foreclosure legal protections.