Macoupin County, Illinois

County Distress Index: Normal · 44.7 | 44,018 people · 50th most distressed in Illinois
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Macoupin County, IL falls within the normal range for household financial distress at 44.7 — 2020th 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 50th 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. Macoupin County's primary driver is Employment & Wages at 68.5 — above the national median.

Employment & Wages Primary driver 68.5
Unemployment Rate 83
Wage-to-Rent Ratio 36
Business Formation Rate 86
Debt & Delinquency 44.4
Debt in Collections 34
Medical Debt 7
Student Loan Delinquency 73
Auto Loan Delinquency 42
Credit Card Delinquency 61
Bankruptcy Filing Rate 49
Income & Poverty 41.9
Poverty Rate 46
Income vs. State Median 35
Child Poverty Rate 45
Community Vulnerability 35.2
Uninsured Rate 11
Disability Rate 60
Housing Cost Burden 33.4
Rent-Burdened (30%+) 31
Severely Rent-Burdened (50%+) 64
Mortgage-Burdened (30%+) 36
Homeownership Rate 31
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 Macoupin County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Macoupin County
Macoupin County, IL 44.7 Normal —
Montgomery County, IL 47.4 Normal +2.7
Greene County, IL 45.9 Normal +1.2
Morgan County, IL 45.5 Normal +0.8
Madison County, IL 44.2 Normal -0.5
Jersey County, IL 40.9 Normal -3.8
Sangamon County, IL 37.4 Normal -7.2

Population Peers

County Score Zone vs. Macoupin County
Price County, WI 44.7 Normal -0.0
Benzie County, MI 44.6 Normal -0.0
Stewart County, TN 44.7 Normal +0.0
Edgar County, IL 44.6 Normal -0.1
Appomattox County, VA 44.7 Normal +0.1

Download Data

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

Find Help in Macoupin County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Macoupin County.

MACOUPIN COUNTY HOUSING AUTHORITY
CARLINVILLE
217-854-8606-202 Website
Foreclosure PreventionFinancial CounselingFair HousingHome Improvement/Rehab

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 Macoupin 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 Macoupin County, Illinois?

    Macoupin County has a County Distress Index score of 44.7 out of 100, placing it in the Normal zone. It ranks 2,020th nationally out of 3,144 counties and 50th in Illinois out of 102 counties.

  • What drives financial distress in Macoupin County?

    The primary driver of distress in Macoupin County is Employment & Wages, where the county scores 68.5 out of 100. This domain is measured by indicators including Unemployment Rate, Wage-to-Rent Ratio, Business Formation Rate.

  • How does Macoupin County compare to neighboring counties?

    Macoupin County (44.7) can be compared to its 6 neighboring counties: Montgomery County, IL (47.4); Greene County, IL (45.9); Morgan County, IL (45.5).

  • 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 Macoupin County?

    Macoupin County, Illinois has a population of approximately 44,018 (2023 Census estimate), classified as a small county.