Montgomery County, Indiana

County Distress Index: Normal · 43.7 | 38,573 people · 47th most distressed in Indiana
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Montgomery County, IN falls within the normal range for household financial distress at 43.7 — 2108th 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 47th of 92 counties. Among its 7 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Montgomery County's primary driver is Debt & Delinquency at 66.6 — above the national median.

Debt & Delinquency Primary driver 66.6
Debt in Collections 50
Medical Debt 62
Student Loan Delinquency 74
Auto Loan Delinquency 66
Credit Card Delinquency 67
Bankruptcy Filing Rate 81
Community Vulnerability 50.4
Uninsured Rate 51
Disability Rate 49
Housing Cost Burden 39.9
Rent-Burdened (30%+) 52
Severely Rent-Burdened (50%+) 47
Mortgage-Burdened (30%+) 61
Homeownership Rate 30
Rent-to-Income Ratio 9
Income & Poverty 33.3
Poverty Rate 28
Income vs. State Median 39
Child Poverty Rate 33
Employment & Wages 28.2
Unemployment Rate 3
Wage-to-Rent Ratio 9
Business Formation Rate 72

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Montgomery County
Montgomery County, IN 43.7 Normal —
Parke County, IN 52.2 Elevated +8.5
Tippecanoe County, IN 47.6 Normal +3.9
Fountain County, IN 40.0 Normal -3.7
Clinton County, IN 38.3 Normal -5.4
Putnam County, IN 36.4 Normal -7.3
Hendricks County, IN 29.1 Healthy -14.6
Boone County, IN 21.0 Healthy -22.6

Population Peers

County Score Zone vs. Montgomery County
Mower County, MN 43.7 Normal +0.1
Ravalli County, MT 43.7 Normal +0.1
Crawford County, WI 43.6 Normal -0.1
Huron County, MI 43.8 Normal +0.1
Albany County, WY 43.6 Normal -0.1

Download Data

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

Find Help in Montgomery County

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 Montgomery 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 Montgomery County, Indiana?

    Montgomery County has a County Distress Index score of 43.7 out of 100, placing it in the Normal zone. It ranks 2,108th nationally out of 3,144 counties and 47th in Indiana out of 92 counties.

  • What drives financial distress in Montgomery County?

    The primary driver of distress in Montgomery County is Debt & Delinquency, where the county scores 66.6 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Montgomery County compare to neighboring counties?

    Montgomery County (43.7) can be compared to its 7 neighboring counties: Parke County, IN (52.2); Tippecanoe County, IN (47.6); Fountain County, IN (40.0).

  • 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 Montgomery County?

    Montgomery County, Indiana has a population of approximately 38,573 (2023 Census estimate), classified as a small county.