Clark County, Ohio

County Distress Index: Elevated · 63.4 | 134,610 people · 13th most distressed in Ohio
American Default Research

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Clark County, OH registers elevated household financial distress with a score of 63.4 — 604th 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 13th of 88 counties. It scores higher than all 5 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Clark County's primary driver is Debt & Delinquency at 77.0 — worse than roughly 77% of U.S. counties.

Debt & Delinquency Primary driver 77.0
Debt in Collections 76
Medical Debt 84
Student Loan Delinquency 71
Auto Loan Delinquency 82
Credit Card Delinquency 69
Bankruptcy Filing Rate 78
Income & Poverty 67.8
Poverty Rate 63
Income vs. State Median 74
Child Poverty Rate 67
Housing Cost Burden 63.6
Rent-Burdened (30%+) 66
Severely Rent-Burdened (50%+) 62
Mortgage-Burdened (30%+) 53
Homeownership Rate 73
Rent-to-Income Ratio 64
Employment & Wages 59.5
Unemployment Rate 67
Wage-to-Rent Ratio 55
Business Formation Rate 57
Community Vulnerability 48.9
Uninsured Rate 38
Disability Rate 60

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

Neighbors and Peers

How Clark County compares to its 5 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Clark County
Clark County, OH 63.4 Elevated —
Montgomery County, OH 59.9 Elevated -3.5
Madison County, OH 43.9 Normal -19.5
Miami County, OH 42.6 Normal -20.8
Champaign County, OH 42.4 Normal -21.0
Greene County, OH 35.5 Normal -27.8

Population Peers

County Score Zone vs. Clark County
Otero County, NM 63.4 Elevated 0.0
Grant County, IN 63.3 Elevated -0.0
Florence County, SC 63.4 Elevated +0.0
Hoke County, NC 63.3 Elevated -0.1
Doña Ana County, NM 63.4 Elevated +0.1

Download Data

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

Find Help in Clark County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Clark County.

NEIGHBORHOOD HOUSING PARTNERSHIP OF GREATER SPRINGFIELD, INC.
Springfield
937-322-4623 Website
Foreclosure PreventionFinancial CounselingFinancial CounselingHome Improvement/Rehab

See all counselors in Ohio →

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 Clark 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.

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

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Frequently Asked Questions

  • What is the distress score for Clark County, Ohio?

    Clark County has a County Distress Index score of 63.4 out of 100, placing it in the Elevated zone. It ranks 604th nationally out of 3,144 counties and 13th in Ohio out of 88 counties.

  • What drives financial distress in Clark County?

    The primary driver of distress in Clark County is Debt & Delinquency, where the county scores 77.0 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Clark County compare to neighboring counties?

    Clark County (63.4) can be compared to its 5 neighboring counties: Montgomery County, OH (59.9); 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 Clark County?

    Clark County, Ohio has a population of approximately 134,610 (2023 Census estimate), classified as a mid county.