Coles County, Illinois

County Distress Index: Elevated · 55.1 | 46,060 people · 15th most distressed in Illinois

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Coles County, IL registers elevated household financial distress with a score of 55.1 — 1196th nationally out of 3144 counties. The primary driver is Income & Poverty, where poverty rates are high and household incomes lag well behind state and national medians. Within Illinois, it ranks 15th of 102 counties. It scores higher than all 6 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Coles County's primary driver is Income & Poverty at 69.3 — above the national median.

Income & Poverty Primary driver 69.3
Poverty Rate 75
Income vs. State Median 79
Child Poverty Rate 54
Housing Cost Burden 62.0
Rent-Burdened (30%+) 64
Severely Rent-Burdened (50%+) 68
Mortgage-Burdened (30%+) 45
Homeownership Rate 93
Rent-to-Income Ratio 40
Employment & Wages 55.8
Unemployment Rate 72
Wage-to-Rent Ratio 19
Business Formation Rate 76
Debt & Delinquency 45.5
Debt in Collections 47
Medical Debt 7
Student Loan Delinquency 62
Auto Loan Delinquency 31
Credit Card Delinquency 53
Bankruptcy Filing Rate 74
Community Vulnerability 43.2
Uninsured Rate 32
Disability Rate 54

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Coles County
Coles County, IL 55.1 Elevated
Edgar County, IL 44.6 Normal -10.5
Clark County, IL 42.1 Normal -13.0
Douglas County, IL 35.7 Normal -19.5
Shelby County, IL 35.7 Normal -19.5
Moultrie County, IL 35.6 Normal -19.5
Cumberland County, IL 32.0 Healthy -23.1

Population Peers

County Score Zone vs. Coles County
Lawrence County, IL 55.1 Elevated 0.0
Muhlenberg County, KY 55.1 Elevated -0.0
George County, MS 55.1 Elevated -0.0
Swain County, NC 55.1 Elevated -0.0
Baker County, OR 55.2 Elevated +0.0

Download Data

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Find Help in Coles County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Coles County.

ERBA COLES COUNTY OUTREACH OFFICE
Charleston
Foreclosure PreventionFinancial CounselingFinancial CounselingHome Improvement/Rehab
ERBA COLES COUNTY OUTREACH OFFICE - WEST
Mattoon
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling

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 Coles 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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