Floyd County, Indiana

County Distress Index: Normal · 38.3 | 80,809 people · 61st most distressed in Indiana
American Default Research

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Floyd County, IN falls within the normal range for household financial distress at 38.3 — 2452nd nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing costs consume a moderate share of household income. Within Indiana, it ranks 61st of 92 counties. Among its 4 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Floyd County's primary driver is Housing Cost Burden at 54.0 — above the national median.

Housing Cost Burden Primary driver 54.0
Rent-Burdened (30%+) 70
Severely Rent-Burdened (50%+) 55
Mortgage-Burdened (30%+) 56
Homeownership Rate 57
Rent-to-Income Ratio 32
Debt & Delinquency 51.0
Debt in Collections 50
Medical Debt 83
Student Loan Delinquency 38
Auto Loan Delinquency 33
Credit Card Delinquency 22
Bankruptcy Filing Rate 80
Employment & Wages 37.0
Unemployment Rate 6
Wage-to-Rent Ratio 68
Business Formation Rate 37
Community Vulnerability 27.9
Uninsured Rate 19
Disability Rate 37
Income & Poverty 21.8
Poverty Rate 22
Income vs. State Median 18
Child Poverty Rate 25

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

Neighbors and Peers

How Floyd County compares to its 4 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Floyd County
Floyd County, IN 38.3 Normal —
Washington County, IN 57.2 Elevated +18.9
Jefferson County, KY 47.7 Normal +9.4
Clark County, IN 43.9 Normal +5.6
Harrison County, IN 34.5 Healthy -3.9

Population Peers

County Score Zone vs. Floyd County
Franklin County, MO 38.3 Normal -0.1
Ontario County, NY 38.3 Normal -0.1
Stearns County, MN 38.2 Normal -0.1
Moore County, NC 38.2 Normal -0.1
Wayne County, OH 38.2 Normal -0.1

Download Data

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

Find Help in Floyd County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Floyd County.

NEW ALBANY HOUSING AUTHORITY
New Albany
812-948-2319
Financial CounselingPost-PurchasePre-PurchaseHomebuyer Education

See all counselors in Indiana →

Find an Attorney

Indiana State Bar Association — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Indiana State Bar Association — Lawyer Referral Service 317-639-5465

Free Legal Aid

Legal aid organizations serving Floyd County residents at no cost.

Indiana Legal Services (ILS) 317-631-9410 (Indianapolis); 1-888-529-4917 (statewide hotline)
Legal Aid Society of Tippecanoe County 765-742-1050
Neighborhood Christian Legal Clinic 317-429-4131

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 Floyd County, Indiana?

    Floyd County has a County Distress Index score of 38.3 out of 100, placing it in the Normal zone. It ranks 2,452nd nationally out of 3,144 counties and 61st in Indiana out of 92 counties.

  • What drives financial distress in Floyd County?

    The primary driver of distress in Floyd County is Housing Cost Burden, where the county scores 54.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Floyd County compare to neighboring counties?

    Floyd County (38.3) can be compared to its 4 neighboring counties: Washington County, IN (57.2); Jefferson County, KY (47.7); Clark County, IN (43.9).

  • 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 Floyd County?

    Floyd County, Indiana has a population of approximately 80,809 (2023 Census estimate), classified as a mid county.