Elkhart County, Indiana

County Distress Index: Elevated · 50.1 | 206,409 people · 32nd most distressed in Indiana

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Elkhart County, IN registers elevated household financial distress with a score of 50.1 — 1592nd nationally out of 3144 counties. The primary driver is Debt & Delinquency, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Indiana, it ranks 32nd of 92 counties. Among its 7 neighboring counties, 6 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Elkhart County's primary driver is Debt & Delinquency at 66.3 — above the national median.

Debt & Delinquency Primary driver 66.3
Debt in Collections 56
Medical Debt 75
Student Loan Delinquency 68
Auto Loan Delinquency 69
Credit Card Delinquency 53
Bankruptcy Filing Rate 76
Housing Cost Burden 66.2
Rent-Burdened (30%+) 81
Severely Rent-Burdened (50%+) 81
Mortgage-Burdened (30%+) 58
Homeownership Rate 65
Rent-to-Income Ratio 45
Community Vulnerability 52.3
Uninsured Rate 87
Disability Rate 17
Income & Poverty 37.5
Poverty Rate 35
Income vs. State Median 41
Child Poverty Rate 37
Employment & Wages 28.2
Unemployment Rate 13
Wage-to-Rent Ratio 29
Business Formation Rate 43

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Elkhart County
Elkhart County, IN 50.1 Elevated
St. Joseph County, IN 51.5 Elevated +1.5
St. Joseph County, MI 49.0 Normal -1.1
Cass County, MI 46.6 Normal -3.5
Noble County, IN 42.5 Normal -7.6
Kosciusko County, IN 40.3 Normal -9.8
Marshall County, IN 36.8 Normal -13.3
LaGrange County, IN 29.0 Healthy -21.1

Population Peers

County Score Zone vs. Elkhart County
Mercer County, PA 50.1 Elevated 0.0
Seneca County, OH 50.1 Elevated +0.0
Berrien County, MI 50.1 Elevated -0.0
Pottawattamie County, IA 50.0 Elevated -0.0
Clay County, FL 50.1 Elevated +0.0

Download Data

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

Find Help in Elkhart County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Elkhart County.

LACASA OF GOSHEN INC - BRANCH OFFICE
Elkhart
Financial CounselingFinancial CounselingHome Improvement/RehabPre-Purchase
LACASA OF GOSHEN, INC.
Goshen
Foreclosure PreventionFinancial CounselingFair HousingHome Improvement/Rehab

Find an Attorney

Indiana 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 Elkhart County residents at no cost.

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