Champaign County, Ohio

County Distress Index: Normal · 42.4 | 38,845 people · 62nd most distressed in Ohio
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Champaign County, OH falls within the normal range for household financial distress at 42.4 — 2184th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Ohio, it ranks 62nd of 88 counties. Its score is in the middle of its 6 neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Champaign County's primary driver is Debt & Delinquency at 68.5 — above the national median.

Debt & Delinquency Primary driver 68.5
Debt in Collections 62
Medical Debt 86
Student Loan Delinquency 95
Auto Loan Delinquency 34
Credit Card Delinquency 64
Bankruptcy Filing Rate 70
Employment & Wages 59.4
Unemployment Rate 52
Wage-to-Rent Ratio 42
Business Formation Rate 84
Housing Cost Burden 36.4
Rent-Burdened (30%+) 40
Severely Rent-Burdened (50%+) 14
Mortgage-Burdened (30%+) 73
Homeownership Rate 37
Rent-to-Income Ratio 18
Community Vulnerability 26.0
Uninsured Rate 19
Disability Rate 33
Income & Poverty 21.6
Poverty Rate 12
Income vs. State Median 32
Child Poverty Rate 21

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Champaign County
Champaign County, OH 42.4 Normal —
Clark County, OH 63.4 Elevated +21.0
Madison County, OH 43.9 Normal +1.5
Miami County, OH 42.6 Normal +0.2
Logan County, OH 41.6 Normal -0.8
Shelby County, OH 39.0 Normal -3.4
Union County, OH 21.2 Healthy -21.2

Population Peers

County Score Zone vs. Champaign County
Perry County, IN 42.4 Normal -0.0
Chippewa County, MN 42.4 Normal -0.0
Bond County, IL 42.3 Normal -0.0
Payette County, ID 42.3 Normal -0.1
Adams County, IN 42.5 Normal +0.1

Download Data

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

Find Help in Champaign County

Find an Attorney

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

Ohio State Bar Association Lawyer Referral Service 1-800-282-6556

Free Legal Aid

Legal aid organizations serving Champaign County residents at no cost.

Legal Aid Society of Cleveland 216-687-1900
Columbus Legal Aid Society 614-224-8374
Community Legal Aid (Akron/Canton) 330-535-4191
Ohio Legal Help
Ohio State Bar Association Lawyer Referral 1-800-282-6556
Community Legal Aid Services, Inc. (800) 998-9454
Legal Aid Society of Greater Cincinnati (513) 241-9400
Legal Aid of Southeast and Central Ohio (614) 221-7201
Legal Aid of Western Ohio, Inc. (888) 534-1432
The Legal Aid Society of Cleveland (216) 687-1900

Self-Help Resources

Ohio Legal Help — Foreclosure Self-help guides for Ohio foreclosure process and defenses
OHFA Homeowner Resources Assistance programs and housing counselor referrals

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 Champaign County, Ohio?

    Champaign County has a County Distress Index score of 42.4 out of 100, placing it in the Normal zone. It ranks 2,184th nationally out of 3,144 counties and 62nd in Ohio out of 88 counties.

  • What drives financial distress in Champaign County?

    The primary driver of distress in Champaign County is Debt & Delinquency, where the county scores 68.5 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Champaign County compare to neighboring counties?

    Champaign County (42.4) can be compared to its 6 neighboring counties: Clark County, OH (63.4); Madison County, OH (43.9); Miami County, OH (42.6).

  • 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 Champaign County?

    Champaign County, Ohio has a population of approximately 38,845 (2023 Census estimate), classified as a small county.