Cumberland County, Illinois

County Distress Index: Healthy · 32.0 | 10,261 people · 93rd most distressed in Illinois

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Cumberland County, IL ranks among the least distressed counties in the country at 32.0 — 2801st nationally out of 3144 counties. The primary driver is Employment & Wages, where unemployment is elevated, wages are low relative to housing costs, and business formation lags. Within Illinois, it ranks 93rd of 102 counties. Among its 5 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Cumberland County's primary driver is Employment & Wages at 65.3 — above the national median.

Employment & Wages Primary driver 65.3
Unemployment Rate 74
Wage-to-Rent Ratio 31
Business Formation Rate 90
Income & Poverty 28.1
Poverty Rate 31
Income vs. State Median 30
Child Poverty Rate 23
Debt & Delinquency 27.3
Debt in Collections 18
Medical Debt 7
Student Loan Delinquency 49
Auto Loan Delinquency 5
Credit Card Delinquency 23
Bankruptcy Filing Rate 62
Community Vulnerability 26.1
Uninsured Rate 25
Disability Rate 28
Housing Cost Burden 13.3
Rent-Burdened (30%+) 14
Severely Rent-Burdened (50%+) 22
Mortgage-Burdened (30%+) 20
Homeownership Rate 6
Rent-to-Income Ratio 5

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

Neighbors and Peers

How Cumberland County compares to its 5 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Cumberland County
Cumberland County, IL 32.0 Healthy
Coles County, IL 55.1 Elevated +23.1
Clark County, IL 42.1 Normal +10.1
Shelby County, IL 35.7 Normal +3.7
Effingham County, IL 31.6 Healthy -0.4
Jasper County, IL 31.2 Healthy -0.8

Population Peers

County Score Zone vs. Cumberland County
Meade County, SD 32.1 Healthy +0.1
Tipton County, IN 32.1 Healthy +0.1
Lafayette County, WI 31.9 Healthy -0.1
Franklin County, IN 32.2 Healthy +0.2
Oneida County, WI 32.2 Healthy +0.2

Download Data

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

Find Help in Cumberland County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Cumberland County.

EMBARRAS RIVER BASIN AGENCY, INC.
Greenup
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling
ERBA CUMBERLAND COUNTY OUTREACH OFFICE
GREENUP
Foreclosure PreventionFinancial CounselingFinancial CounselingHome Improvement/Rehab

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 Cumberland 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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