Champaign County, Illinois

County Distress Index: Normal · 44.4 | 205,644 people · 52nd most distressed in Illinois

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Champaign County, IL falls within the normal range for household financial distress at 44.4 — 2040th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Illinois, it ranks 52nd of 102 counties. Among its 6 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Champaign County's primary driver is Housing Cost Burden at 77.7 — worse than roughly 78% of U.S. counties.

Housing Cost Burden Primary driver 77.7
Rent-Burdened (30%+) 85
Severely Rent-Burdened (50%+) 93
Mortgage-Burdened (30%+) 57
Homeownership Rate 97
Rent-to-Income Ratio 56
Income & Poverty 55.2
Poverty Rate 69
Income vs. State Median 65
Child Poverty Rate 32
Employment & Wages 49.1
Unemployment Rate 78
Wage-to-Rent Ratio 13
Business Formation Rate 56
Debt & Delinquency 28.6
Debt in Collections 32
Medical Debt 7
Student Loan Delinquency 31
Auto Loan Delinquency 44
Credit Card Delinquency 28
Bankruptcy Filing Rate 31
Community Vulnerability 11.5
Uninsured Rate 18
Disability Rate 5

Scores are percentile-based: 50 = national median, higher = more distressed. The median line is shown on each bar.

Neighbors and Peers

How Champaign County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Champaign County
Champaign County, IL 44.4 Normal
Vermilion County, IL 58.1 Elevated +13.7
Edgar County, IL 44.6 Normal +0.2
Ford County, IL 37.0 Normal -7.4
Douglas County, IL 35.7 Normal -8.7
McLean County, IL 34.8 Healthy -9.6
Piatt County, IL 28.5 Healthy -15.9

Population Peers

County Score Zone vs. Champaign County
Pender County, NC 44.4 Normal 0.0
Stanly County, NC 44.3 Normal -0.1
Rankin County, MS 44.5 Normal +0.1
Racine County, WI 44.3 Normal -0.1
Whiteside County, IL 44.3 Normal -0.1

Download Data

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Find Help in Champaign County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Champaign County.

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Find an Attorney

Illinois State Bar Association Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Free Legal Aid

Legal aid organizations serving Champaign County residents at no cost.

Self-Help Resources

Illinois Legal Aid Online — Foreclosure Comprehensive self-help guides for Illinois foreclosure
IHDA Homeowner Resources Assistance programs and housing counselor referrals

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