Adair County, Kentucky
Above the national median for disability rate — and 8.1× the rate of the healthiest U.S. county (San Juan County, CO — 3%).
Main Findings
Adair County, Kentucky ranks 419th most distressed in the United States on the County Distress Index. The driver: 24% of residents report a disability — above the national median of 16%. Its highest-scoring domain is Safety Net & Buffer.
- 419th of 3,144 counties on the County Distress Index — 71.8 · high county distress, 38th in Kentucky.
- 24% of residents report a disability (U.S. median 16%). Disability rate at the 94th percentile nationally. Source: U.S. Census Bureau, ACS 5-year (2023).
- Unemployment at 5% — national median 4%, ranked at the 77th percentile. Source: U.S. Bureau of Labor Statistics, LAUS (May 2026).
- Severe rent burden (50%+) at 22% — national median 18%, ranked at the 73rd percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
- Bankruptcy filing rate at 249 — national median 126, ranked at the 85th percentile. Source: Administrative Office of the U.S. Courts, F-5A (2025).
"Adair County has a high county distress score. The score label gives the intensity; the rank gives the national position."
"The CDI gives this county a high county distress label. The rank belongs beside the score because the two answer different questions: score intensity and national position. Its highest-scoring domain is Safety Net & Buffer."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, ACS 5-year (2023), Adair County's uninsured rate indicator is at the 39th percentile. American Default Research's CDI places every other indicator in the Safety Net & Buffer domain at or above the 86th percentile. The gap stands out against child poverty rate and disability rate. Worth a call to the source agency or a local subject-matter contact in Columbia.
According to U.S. Census Bureau, SAIPE (2023), 28% of children under 18 in Adair County live below the federal poverty line, versus 18% nationally. When a county's adult poverty rate is accompanied by a materially higher child poverty rate, the gap typically reflects single-parent household concentration or limited access to workforce-participation supports (childcare, transportation). Worth a call to the local school district's free-and-reduced-lunch coordinator or a regional United Way affiliate.
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Adair County's CDI Score
Every number traces to a public source. Adair County's value shown alongside KY's median and the U.S. median. Full CSV available for download.
| Indicator | Adair | KY median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 64 · Rank 1,066 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 6% | 6% | 5% | 55th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 7% | 6% | 5% | 71st | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 28% | 28% | 23% | 67th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 68 · Rank 802 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 23% | 29% | 23% | 51st | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 249 | 243 | 126 | 85th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 68 · Rank 779 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 23% | 20% | 21% | 64th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 22% | 18% | 18% | 73rd | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 77 · Rank 673 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 5% | 5% | 4% | 77th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 81 · Rank 353 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 28% | 22% | 18% | 86th | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 24% | 21% | 16% | 94th | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 22% | 17% | 14% | 91st | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 7% | 6% | 8% | 39th | U.S. Census Bureau, ACS 5-year (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), FRED/Equifax (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (Local Area Unemployment Statistics), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2022 to 2026 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Adair County data — in under 60 seconds.
Draft wire copy 144-word AP-style article — use freely with attribution
COLUMBIA, Ky. — Adair County ranks 419th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 71.8 out of 100 gives Adair a high county distress label. Among 3,144 U.S. counties scored, 418 counties rank more distressed. Within Kentucky, Adair ranks 38th of 120 counties.
The index, which draws on 13 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies safety net & buffer as the primary driver in Adair. 24% of residents report a disability — above the national median of 16%.
"Adair County has a high county distress score. The score label gives the intensity; the rank gives the national position," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Adair County's CDI score, and what does it mean?
What drives Adair County's distress score?
How does Adair County compare to its neighbors?
How is the County Distress Index calculated?
Adair County resident looking for help? HUD counselors, legal aid, and attorney referrals →