Lucas County, Ohio

County Distress Index: Elevated · 58.5 | 425,484 people · 24th most distressed in Ohio
American Default Research

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Lucas County, OH registers elevated household financial distress with a score of 58.5 — 937th 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 24th of 88 counties. It scores higher than all 6 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Lucas County's primary driver is Debt & Delinquency at 75.6 — worse than roughly 76% of U.S. counties.

Debt & Delinquency Primary driver 75.6
Debt in Collections 75
Medical Debt 73
Student Loan Delinquency 67
Auto Loan Delinquency 82
Credit Card Delinquency 68
Bankruptcy Filing Rate 89
Income & Poverty 74.6
Poverty Rate 79
Income vs. State Median 68
Child Poverty Rate 78
Housing Cost Burden 68.4
Rent-Burdened (30%+) 66
Severely Rent-Burdened (50%+) 74
Mortgage-Burdened (30%+) 58
Homeownership Rate 91
Rent-to-Income Ratio 52
Employment & Wages 41.8
Unemployment Rate 80
Wage-to-Rent Ratio 12
Business Formation Rate 33
Community Vulnerability 32.1
Uninsured Rate 21
Disability Rate 43

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Lucas County
Lucas County, OH 58.5 Elevated —
Lenawee County, MI 47.7 Normal -10.8
Monroe County, MI 44.2 Normal -14.3
Ottawa County, OH 38.2 Normal -20.3
Fulton County, OH 36.6 Normal -21.9
Wood County, OH 35.5 Normal -23.0
Henry County, OH 31.5 Healthy -27.0

Population Peers

County Score Zone vs. Lucas County
Pasco County, FL 58.4 Elevated -0.1
Providence County, RI 58.4 Elevated -0.1
Marion County, OR 58.2 Elevated -0.3
Milwaukee County, WI 58.2 Elevated -0.3
Prince George's County, MD 58.1 Elevated -0.4

Download Data

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

Find Help in Lucas County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Lucas County.

NEIGHBORHOOD HOUSING SERVICES OF TOLEDO, INC
Toledo
419-691-2900 Website
Foreclosure PreventionFinancial CounselingPre-PurchaseHomebuyer Education
NID LUCAS COUNTY
Toledo
419-504-5188 Website
Foreclosure PreventionMortgage HelpFinancial CounselingHome Improvement/Rehab
OHIO STATE UNIVERSITY EXTENSION - LUCAS COUNTY
Toledo
419-574-0983 Website
Financial CounselingFinancial CounselingPre-PurchaseHomebuyer Education

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 Lucas 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 Lucas County, Ohio?

    Lucas County has a County Distress Index score of 58.5 out of 100, placing it in the Elevated zone. It ranks 937th nationally out of 3,144 counties and 24th in Ohio out of 88 counties.

  • What drives financial distress in Lucas County?

    The primary driver of distress in Lucas County is Debt & Delinquency, where the county scores 75.6 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Lucas County compare to neighboring counties?

    Lucas County (58.5) can be compared to its 6 neighboring counties: Lenawee County, MI (47.7); Monroe County, MI (44.2); Ottawa County, OH (38.2).

  • 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 Lucas County?

    Lucas County, Ohio has a population of approximately 425,484 (2023 Census estimate), classified as a large county.