McHenry County, Illinois

County Distress Index: Healthy · 33.7 | 312,800 people · 91st most distressed in Illinois

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McHenry County, IL ranks among the least distressed counties in the country at 33.7 — 2719th 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 91st of 102 counties. It scores lower than all 7 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. McHenry County's primary driver is Employment & Wages at 68.6 — above the national median.

Employment & Wages Primary driver 68.6
Unemployment Rate 61
Wage-to-Rent Ratio 96
Business Formation Rate 49
Housing Cost Burden 64.0
Rent-Burdened (30%+) 86
Severely Rent-Burdened (50%+) 77
Mortgage-Burdened (30%+) 98
Homeownership Rate 8
Rent-to-Income Ratio 50
Debt & Delinquency 23.0
Debt in Collections 14
Medical Debt 7
Student Loan Delinquency 10
Auto Loan Delinquency 19
Credit Card Delinquency 25
Bankruptcy Filing Rate 64
Community Vulnerability 9.6
Uninsured Rate 14
Disability Rate 5
Income & Poverty 3.2
Poverty Rate 2
Income vs. State Median 3
Child Poverty Rate 4

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

Neighbors and Peers

How McHenry County compares to its 7 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. McHenry County
McHenry County, IL 33.7 Healthy
DeKalb County, IL 51.7 Elevated +18.0
Cook County, IL 50.8 Elevated +17.1
Kenosha County, WI 48.3 Normal +14.6
Kane County, IL 42.3 Normal +8.6
Boone County, IL 41.6 Normal +7.9
Walworth County, WI 35.1 Normal +1.4
Lake County, IL 34.6 Healthy +0.9

Population Peers

County Score Zone vs. McHenry County
Jefferson County, CO 33.3 Healthy -0.4
St. Johns County, FL 34.2 Healthy +0.5
Marin County, CA 34.2 Healthy +0.5
Harford County, MD 34.4 Healthy +0.7
St. Louis County, MO 33.0 Healthy -0.8

Download Data

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Find Help in McHenry County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near McHenry County.

CONSUMER CREDIT COUNSELING SERVICES OF NORTHERN ILLINOIS
Woodstock
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling
RESTORATION AMERICA, INC.
Crystal Lake
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling

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 McHenry 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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