Ballard County, Kentucky
Above the national median for bankruptcy filing rate — and 32.5× the rate of the healthiest U.S. county (Glacier County, MT — 7).
Main Findings
Ballard County, Kentucky ranks 1,555th most distressed in the United States on the County Distress Index. The driver: a bankruptcy filing rate of 237 — above the national median of 126.
- 1,555th of 3,144 counties on the County Distress Index — Middle fifth, 110th in Kentucky.
- A bankruptcy filing rate of 237 (U.S. median 126). Bankruptcy filing rate at the 83rd percentile nationally.
- Unemployment at 4% — national median 4%, ranked at the 71st percentile.
- Child poverty rate at 22% — national median 18%, ranked at the 71st percentile.
- Credit card delinquency at 6% — national median 5%, ranked at the 63rd percentile.
Neighbors span three CDI distress fifths. The 31-point drop to Carlisle County marks where the Kentucky distress corridor ends.
"Ballard County ranks in the middle fifth of U.S. counties. The county sits near the national center of the CDI distribution, so the domain mix carries the story."
"The CDI places this county in the middle fifth nationally. The county sits near the center of the geography distribution, so the domain mix matters more than the composite alone."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
Ballard County's uninsured rate indicator is at the 7th percentile — while every other indicator in the safety_net_buffer domain sits at or above the 33rd percentile. The gap stands out against the other credit indicators. Worth a call to Urban Institute or a local credit counselor in Wickliffe.
The Indicators Behind Ballard County's CDI Score
Every number traces to a public source. Ballard County's value shown alongside KY's median and the U.S. median. Full CSV available for download.
| Indicator | Ballard | KY median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 46 · Rank 1,711 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 3% | 6% | 5% | 25th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 6% | 6% | 5% | 63rd | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 23% | 28% | 23% | 50th | Urban Institute (2024) |
| Default & Legal — domain score 72 · Rank 681 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 26% | 29% | 23% | 60th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 237 | 243 | 126 | 83rd | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 18 · Rank 2,847 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 18% | 20% | 21% | 23rd | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 10% | 18% | 18% | 13th | Census ACS 5-yr (2023) |
| Labor — domain score 71 · Rank 893 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 71st | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 48 · Rank 1,655 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 22% | 22% | 18% | 71st | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 16% | 21% | 16% | 52nd | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 14% | 17% | 14% | 57th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 29% | 34% | 27% | 61st | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 4% | 6% | 8% | 7th | Census ACS 5-yr (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), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Ballard County data — in under 60 seconds.
Draft wire copy 150-word AP-style article — use freely with attribution
WICKLIFFE, Ky. — Ballard County ranks 1,555th 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 51 out of 100 places Ballard in the middle fifth. Among 3,144 U.S. counties scored, 1,554 counties rank more distressed. Within Kentucky, Ballard ranks 110th of 120 counties.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies default & legal as the primary driver in Ballard. A bankruptcy filing rate of 237 — above the national median of 126.
"Ballard County ranks in the middle fifth of U.S. counties. The county sits near the national center of the CDI distribution, so the domain mix carries the story," 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 Ballard County's CDI score, and what does it mean?
What drives Ballard County's distress score?
How does Ballard County compare to its neighbors?
How is the County Distress Index calculated?
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