Morgan County, Illinois

County Distress Index: Normal · 45.5 | 32,140 people · 47th most distressed in Illinois
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Morgan County, IL falls within the normal range for household financial distress at 45.5 — 1939th nationally out of 3144 counties. The primary driver is Employment & Wages, where employment and wage conditions show moderate stress. Within Illinois, it ranks 47th of 102 counties. Among its 7 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Morgan County's primary driver is Employment & Wages at 63.3 — above the national median.

Employment & Wages Primary driver 63.3
Unemployment Rate 83
Wage-to-Rent Ratio 11
Business Formation Rate 95
Income & Poverty 52.6
Poverty Rate 53
Income vs. State Median 57
Child Poverty Rate 48
Debt & Delinquency 42.3
Debt in Collections 50
Medical Debt 7
Student Loan Delinquency 58
Auto Loan Delinquency 37
Credit Card Delinquency 74
Bankruptcy Filing Rate 28
Community Vulnerability 36.4
Uninsured Rate 8
Disability Rate 65
Housing Cost Burden 32.9
Rent-Burdened (30%+) 29
Severely Rent-Burdened (50%+) 16
Mortgage-Burdened (30%+) 43
Homeownership Rate 64
Rent-to-Income Ratio 12

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Morgan County
Morgan County, IL 45.5 Normal —
Pike County, IL 52.4 Elevated +6.9
Greene County, IL 45.9 Normal +0.4
Macoupin County, IL 44.7 Normal -0.8
Cass County, IL 44.3 Normal -1.1
Scott County, IL 38.8 Normal -6.7
Sangamon County, IL 37.4 Normal -8.1
Brown County, IL 37.1 Normal -8.4

Population Peers

County Score Zone vs. Morgan County
Nez Perce County, ID 45.5 Normal +0.0
Webster County, KY 45.5 Normal -0.0
Clark County, KY 45.5 Normal +0.0
Linn County, MO 45.4 Normal -0.1
Stone County, MO 45.6 Normal +0.1

Download Data

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

Find Help in Morgan 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 Morgan 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 Morgan County, Illinois?

    Morgan County has a County Distress Index score of 45.5 out of 100, placing it in the Normal zone. It ranks 1,939th nationally out of 3,144 counties and 47th in Illinois out of 102 counties.

  • What drives financial distress in Morgan County?

    The primary driver of distress in Morgan County is Employment & Wages, where the county scores 63.3 out of 100. This domain is measured by indicators including Unemployment Rate, Wage-to-Rent Ratio, Business Formation Rate.

  • How does Morgan County compare to neighboring counties?

    Morgan County (45.5) can be compared to its 7 neighboring counties: Pike County, IL (52.4); Greene County, IL (45.9); Macoupin County, IL (44.7).

  • 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 Morgan County?

    Morgan County, Illinois has a population of approximately 32,140 (2023 Census estimate), classified as a small county.