Livingston County, Illinois

County Distress Index: Normal · 35.7 | 35,320 people · 81st most distressed in Illinois
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Livingston County, IL falls within the normal range for household financial distress at 35.7 — 2607th nationally out of 3144 counties. The primary driver is Employment & Wages, where employment and wage conditions show moderate stress. Within Illinois, it ranks 81st of 102 counties. Among its 6 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Livingston County's primary driver is Employment & Wages at 62.0 — above the national median.

Employment & Wages Primary driver 62.0
Unemployment Rate 76
Wage-to-Rent Ratio 18
Business Formation Rate 92
Income & Poverty 33.0
Poverty Rate 30
Income vs. State Median 40
Child Poverty Rate 29
Housing Cost Burden 31.6
Rent-Burdened (30%+) 22
Severely Rent-Burdened (50%+) 23
Mortgage-Burdened (30%+) 42
Homeownership Rate 53
Rent-to-Income Ratio 18
Debt & Delinquency 28.9
Debt in Collections 25
Medical Debt 7
Student Loan Delinquency 16
Auto Loan Delinquency 48
Credit Card Delinquency 21
Bankruptcy Filing Rate 57
Community Vulnerability 23.3
Uninsured Rate 16
Disability Rate 30

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Livingston County
Livingston County, IL 35.7 Normal —
Kankakee County, IL 55.2 Elevated +19.5
LaSalle County, IL 41.0 Normal +5.3
Ford County, IL 37.0 Normal +1.2
Grundy County, IL 35.8 Normal +0.0
McLean County, IL 34.8 Healthy -1.0
Woodford County, IL 24.1 Healthy -11.7

Population Peers

County Score Zone vs. Livingston County
Steuben County, IN 35.7 Normal -0.0
Madison County, NE 35.7 Normal -0.0
Morgan County, WV 35.8 Normal +0.0
Vilas County, WI 35.8 Normal +0.0
Douglas County, IL 35.7 Normal -0.1

Download Data

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

Find Help in Livingston County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Livingston County.

MID CENTRAL COMMUNITY ACTION OF PONTIAC
PONTIAC
815-844-8812 Website
Foreclosure PreventionFinancial CounselingPost-PurchasePre-Purchase

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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.

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

Free Legal Aid

Legal aid organizations serving Livingston 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.

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Frequently Asked Questions

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

    Livingston County has a County Distress Index score of 35.7 out of 100, placing it in the Normal zone. It ranks 2,607th nationally out of 3,144 counties and 81st in Illinois out of 102 counties.

  • What drives financial distress in Livingston County?

    The primary driver of distress in Livingston County is Employment & Wages, where the county scores 62.0 out of 100. This domain is measured by indicators including Unemployment Rate, Wage-to-Rent Ratio, Business Formation Rate.

  • How does Livingston County compare to neighboring counties?

    Livingston County (35.7) can be compared to its 6 neighboring counties: Kankakee County, IL (55.2); LaSalle County, IL (41.0); Ford County, IL (37.0).

  • 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 Livingston County?

    Livingston County, Illinois has a population of approximately 35,320 (2023 Census estimate), classified as a small county.