Madison County, Indiana

County Distress Index: Elevated · 59.3 | 132,504 people · 6th most distressed in Indiana
American Default Research

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Madison County, IN registers elevated household financial distress with a score of 59.3 — 880th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Indiana, it ranks 6th of 92 counties. Among its 6 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Madison County's primary driver is Housing Cost Burden at 69.0 — above the national median.

Housing Cost Burden Primary driver 69.0
Rent-Burdened (30%+) 68
Severely Rent-Burdened (50%+) 81
Mortgage-Burdened (30%+) 56
Homeownership Rate 71
Rent-to-Income Ratio 69
Community Vulnerability 66.0
Uninsured Rate 50
Disability Rate 82
Debt & Delinquency 64.2
Debt in Collections 64
Medical Debt 43
Student Loan Delinquency 66
Auto Loan Delinquency 57
Credit Card Delinquency 65
Bankruptcy Filing Rate 89
Income & Poverty 53.0
Poverty Rate 46
Income vs. State Median 67
Child Poverty Rate 46
Employment & Wages 44.5
Unemployment Rate 19
Wage-to-Rent Ratio 76
Business Formation Rate 39

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

Neighbors and Peers

How Madison County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Madison County
Madison County, IN 59.3 Elevated —
Delaware County, IN 64.8 Elevated +5.4
Grant County, IN 63.3 Elevated +4.0
Henry County, IN 49.5 Normal -9.9
Tipton County, IN 32.1 Healthy -27.3
Hancock County, IN 28.8 Healthy -30.5
Hamilton County, IN 16.6 Healthy -42.7

Population Peers

County Score Zone vs. Madison County
Wicomico County, MD 59.3 Elevated -0.0
Grays Harbor County, WA 59.4 Elevated +0.1
Saginaw County, MI 59.2 Elevated -0.1
Rusk County, TX 59.1 Elevated -0.3
Buchanan County, MO 59.6 Elevated +0.3

Download Data

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

Find Help in Madison County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Madison County.

TRANSITION RESOURCES - PENDLETON
Pendleton
919-899-9911 Website
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling

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 Madison 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.

Need legal help? Find a foreclosure defense attorney in Indiana →

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Frequently Asked Questions

  • What is the distress score for Madison County, Indiana?

    Madison County has a County Distress Index score of 59.3 out of 100, placing it in the Elevated zone. It ranks 880th nationally out of 3,144 counties and 6th in Indiana out of 92 counties.

  • What drives financial distress in Madison County?

    The primary driver of distress in Madison County is Housing Cost Burden, where the county scores 69.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Madison County compare to neighboring counties?

    Madison County (59.3) can be compared to its 6 neighboring counties: Delaware County, IN (64.8); Grant County, IN (63.3); Henry County, IN (49.5).

  • 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 Madison County?

    Madison County, Indiana has a population of approximately 132,504 (2023 Census estimate), classified as a mid county.