Miami County, Ohio

County Distress Index: Normal · 42.6 | 110,876 people · 61st most distressed in Ohio
American Default Research

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Miami County, OH falls within the normal range for household financial distress at 42.6 — 2172nd nationally out of 3144 counties. The primary driver is Employment & Wages, where employment and wage conditions show moderate stress. Within Ohio, it ranks 61st of 88 counties. Among its 5 neighboring counties, 3 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Miami County's primary driver is Employment & Wages at 60.3 — above the national median.

Employment & Wages Primary driver 60.3
Unemployment Rate 49
Wage-to-Rent Ratio 69
Business Formation Rate 63
Debt & Delinquency 57.7
Debt in Collections 46
Medical Debt 66
Student Loan Delinquency 68
Auto Loan Delinquency 60
Credit Card Delinquency 48
Bankruptcy Filing Rate 57
Housing Cost Burden 57.4
Rent-Burdened (30%+) 63
Severely Rent-Burdened (50%+) 67
Mortgage-Burdened (30%+) 60
Homeownership Rate 55
Rent-to-Income Ratio 41
Community Vulnerability 19.5
Uninsured Rate 18
Disability Rate 21
Income & Poverty 18.1
Poverty Rate 17
Income vs. State Median 21
Child Poverty Rate 16

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Miami County
Miami County, OH 42.6 Normal —
Clark County, OH 63.4 Elevated +20.8
Montgomery County, OH 59.9 Elevated +17.3
Champaign County, OH 42.4 Normal -0.2
Shelby County, OH 39.0 Normal -3.6
Darke County, OH 38.6 Normal -4.0

Population Peers

County Score Zone vs. Miami County
Belknap County, NH 42.6 Normal 0.0
Charles County, MD 42.6 Normal +0.0
Columbia County, NY 42.5 Normal -0.1
Centre County, PA 42.7 Normal +0.1
Loudon County, TN 42.5 Normal -0.1

Download Data

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

Find Help in Miami 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 Miami 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 Miami County, Ohio?

    Miami County has a County Distress Index score of 42.6 out of 100, placing it in the Normal zone. It ranks 2,172nd nationally out of 3,144 counties and 61st in Ohio out of 88 counties.

  • What drives financial distress in Miami County?

    The primary driver of distress in Miami County is Employment & Wages, where the county scores 60.3 out of 100. This domain is measured by indicators including Unemployment Rate, Wage-to-Rent Ratio, Business Formation Rate.

  • How does Miami County compare to neighboring counties?

    Miami County (42.6) can be compared to its 5 neighboring counties: Clark County, OH (63.4); Montgomery County, OH (59.9); Champaign County, OH (42.4).

  • 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 Miami County?

    Miami County, Ohio has a population of approximately 110,876 (2023 Census estimate), classified as a mid county.