Gallatin County, Illinois

County Distress Index: Normal · 47.4 | 4,670 people · 36th most distressed in Illinois
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Gallatin County, IL falls within the normal range for household financial distress at 47.4 — 1800th 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 36th of 102 counties. Its score is in the middle of its 6 neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Gallatin County's primary driver is Income & Poverty at 78.5 — worse than roughly 79% of U.S. counties.

Income & Poverty Primary driver 78.5
Poverty Rate 76
Income vs. State Median 82
Child Poverty Rate 78
Employment & Wages 59.6
Unemployment Rate 83
Wage-to-Rent Ratio 17
Business Formation Rate 79
Community Vulnerability 51.1
Uninsured Rate 7
Disability Rate 95
Debt & Delinquency 34.8
Debt in Collections 56
Medical Debt 7
Student Loan Delinquency 49
Auto Loan Delinquency 52
Credit Card Delinquency 5
Bankruptcy Filing Rate 40
Housing Cost Burden 12.9
Rent-Burdened (30%+) 6
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 5
Homeownership Rate 17
Rent-to-Income Ratio 32

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Gallatin County
Gallatin County, IL 47.4 Normal —
Saline County, IL 62.7 Elevated +15.4
Hardin County, IL 54.0 Elevated +6.6
White County, IL 51.3 Elevated +3.9
Union County, KY 46.7 Normal -0.7
Hamilton County, IL 46.1 Normal -1.3
Posey County, IN 26.7 Healthy -20.7

Population Peers

County Score Zone vs. Gallatin County
Eureka County, NV 47.4 Normal +0.0
Keweenaw County, MI 47.5 Normal +0.1
Putnam County, MO 47.5 Normal +0.1
Garden County, NE 47.3 Normal -0.1
Brewster County, TX 47.3 Normal -0.1

Download Data

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

Find Help in Gallatin County

Find an Attorney

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

Illinois State Bar Association Lawyer Referral Service 1-800-922-8757

Free Legal Aid

Legal aid organizations serving Gallatin County residents at no cost.

Illinois Legal Aid Online (ILAO)
Legal Aid Chicago (formerly LAF) 312-341-1070
Land of Lincoln Legal Aid 217-525-7151
Prairie State Legal Services 1-800-531-7057
Illinois State Bar Association Lawyer Referral 1-800-922-8757

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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Frequently Asked Questions

  • What is the distress score for Gallatin County, Illinois?

    Gallatin County has a County Distress Index score of 47.4 out of 100, placing it in the Normal zone. It ranks 1,800th nationally out of 3,144 counties and 36th in Illinois out of 102 counties.

  • What drives financial distress in Gallatin County?

    The primary driver of distress in Gallatin County is Income & Poverty, where the county scores 78.5 out of 100. This domain is measured by indicators including Poverty Rate, Income vs. State Median, Child Poverty Rate.

  • How does Gallatin County compare to neighboring counties?

    Gallatin County (47.4) can be compared to its 6 neighboring counties: Saline County, IL (62.7); Hardin County, IL (54.0); White County, IL (51.3).

  • How is the County Distress Index calculated?

    The County Distress Index uses percentile-rank averaging across five domains: Debt & Delinquency, Income & Poverty, Housing Cost Burden, Employment & Wages, and Community Vulnerability. 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.

  • What is the population of Gallatin County?

    Gallatin County, Illinois has a population of approximately 4,670 (2023 Census estimate), classified as a tiny county.