Hillsdale County, Michigan

County Distress Index: Elevated · 52.5 | 45,587 people · 32nd most distressed in Michigan

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Hillsdale County, MI registers elevated household financial distress with a score of 52.5 — 1412th nationally out of 3144 counties. The primary driver is Employment & Wages, where employment and wage conditions show moderate stress. Within Michigan, it ranks 32nd of 83 counties. Among its 7 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Hillsdale County's primary driver is Employment & Wages at 64.8 — above the national median.

Employment & Wages Primary driver 64.8
Unemployment Rate 74
Wage-to-Rent Ratio 34
Business Formation Rate 86
Income & Poverty 57.9
Poverty Rate 60
Income vs. State Median 58
Child Poverty Rate 56
Debt & Delinquency 56.1
Debt in Collections 48
Medical Debt 62
Student Loan Delinquency 67
Auto Loan Delinquency 47
Credit Card Delinquency 56
Bankruptcy Filing Rate 57
Community Vulnerability 44.9
Uninsured Rate 40
Disability Rate 49
Housing Cost Burden 38.9
Rent-Burdened (30%+) 39
Severely Rent-Burdened (50%+) 35
Mortgage-Burdened (30%+) 61
Homeownership Rate 15
Rent-to-Income Ratio 45

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Hillsdale County
Hillsdale County, MI 52.5 Elevated
Calhoun County, MI 56.9 Elevated +4.4
Branch County, MI 53.6 Elevated +1.1
Jackson County, MI 52.1 Elevated -0.4
Williams County, OH 49.2 Normal -3.3
Lenawee County, MI 47.7 Normal -4.8
Fulton County, OH 36.6 Normal -15.9
Steuben County, IN 35.7 Normal -16.8

Population Peers

County Score Zone vs. Hillsdale County
Hampshire County, WV 52.5 Elevated 0.0
Cheboygan County, MI 52.5 Elevated +0.0
Wythe County, VA 52.5 Elevated -0.0
Sanilac County, MI 52.5 Elevated -0.0
Smith County, MS 52.5 Elevated +0.0

Download Data

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

Find Help in Hillsdale County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Hillsdale County.

COMMUNITY ACTION AGENCY - HILLSDALE BRANCH
Hillsdale
Financial CounselingHomeless/DisplacementPost-PurchasePre-Purchase

Find an Attorney

State Bar of Michigan Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Free Legal Aid

Legal aid organizations serving Hillsdale County residents at no cost.

Self-Help Resources

Michigan Legal Help — Foreclosure Self-help guides and interactive tools for Michigan foreclosure process and defenses
MSHDA Homeowner Resources Assistance programs, counselor referrals, and MIHAF information

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.