Kane County, Illinois

County Distress Index: Normal · 42.3 | 514,982 people · 62nd most distressed in Illinois
American Default Research

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Kane County, IL falls within the normal range for household financial distress at 42.3 — 2190th 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 62nd of 102 counties. Among its 5 neighboring counties, 3 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Kane County's primary driver is Housing Cost Burden at 73.0 — above the national median.

Housing Cost Burden Primary driver 73.0
Rent-Burdened (30%+) 87
Severely Rent-Burdened (50%+) 82
Mortgage-Burdened (30%+) 96
Homeownership Rate 43
Rent-to-Income Ratio 57
Employment & Wages 72.7
Unemployment Rate 90
Wage-to-Rent Ratio 90
Business Formation Rate 38
Debt & Delinquency 29.4
Debt in Collections 22
Medical Debt 7
Student Loan Delinquency 18
Auto Loan Delinquency 37
Credit Card Delinquency 31
Bankruptcy Filing Rate 61
Community Vulnerability 26.1
Uninsured Rate 48
Disability Rate 4
Income & Poverty 10.3
Poverty Rate 9
Income vs. State Median 5
Child Poverty Rate 17

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Kane County
Kane County, IL 42.3 Normal —
DeKalb County, IL 51.7 Elevated +9.4
Cook County, IL 50.8 Elevated +8.4
Kendall County, IL 34.8 Healthy -7.6
McHenry County, IL 33.7 Healthy -8.6
DuPage County, IL 28.5 Healthy -13.8

Population Peers

County Score Zone vs. Kane County
Rockland County, NY 42.4 Normal +0.0
Fort Bend County, TX 42.4 Normal +0.1
El Paso County, CO 42.2 Normal -0.1
Lancaster County, PA 42.5 Normal +0.2
Henrico County, VA 42.1 Normal -0.3

Download Data

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

Find Help in Kane County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Kane County.

CONSUMER CREDIT COUNSELING SERVICES OF NORTHERN ILLINOIS
Elgin
815-338-5757 Website
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling
THE NEIGHBOR PROJECT
Aurora
630-906-9400 Website
Foreclosure PreventionMortgage HelpFinancial CounselingPost-Purchase

See all counselors in Illinois →

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 Kane 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

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

Need legal help? Find a foreclosure defense attorney in Illinois →

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Frequently Asked Questions

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

    Kane County has a County Distress Index score of 42.3 out of 100, placing it in the Normal zone. It ranks 2,190th nationally out of 3,144 counties and 62nd in Illinois out of 102 counties.

  • What drives financial distress in Kane County?

    The primary driver of distress in Kane County is Housing Cost Burden, where the county scores 73.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Kane County compare to neighboring counties?

    Kane County (42.3) can be compared to its 5 neighboring counties: DeKalb County, IL (51.7); Cook County, IL (50.8); Kendall County, IL (34.8).

  • 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 Kane County?

    Kane County, Illinois has a population of approximately 514,982 (2023 Census estimate), classified as a large county.