77.8 / 100
Serious Stress
19th of 3,144 counties nationally
1st of 120 counties in Kentucky

Bell County, KY shows significant household financial distress with a score of 77.8 — 19th nationally out of 3144 counties. The primary driver is Income & Poverty, where poverty rates are high and household incomes lag well behind state and national medians. Within Kentucky, it ranks 1st of 120 counties. It scores higher than all 7 of its neighboring counties.

Five-Domain Breakdown

How Bell County compares to all U.S. counties across five dimensions of financial distress. Scores are percentile-based: 50 = national median, higher = more distressed.

Income & Poverty

Primary Driver
98.3
Poverty Rate
98
Income vs. State Median
99
Child Poverty Rate
98

Debt & Delinquency

79.5
Debt in Collections
90
Medical Debt
66
Student Loan Delinquency
57
Auto Loan Delinquency
86
Credit Card Delinquency
91
Bankruptcy Filing Rate
87

Employment & Wages

72.1
Unemployment Rate
80
Wage-to-Rent Ratio
46
Business Formation Rate
90

Housing Cost Burden

71.7
Rent-Burdened (30%+)
79
Severely Rent-Burdened (50%+)
71
Mortgage-Burdened (30%+)
23
Homeownership Rate
92
Rent-to-Income Ratio
94

Community Vulnerability

67.3
Uninsured Rate
37
Disability Rate
97

How Bell County Compares

Neighboring Counties

County Score Zone Difference
Bell County, KY 77.8 Serious Stress
Lee County, VA 73.2 Serious Stress -4.6
Knox County, KY 71.5 Serious Stress -6.2
Harlan County, KY 69.3 Serious Stress -8.5
Whitley County, KY 67.7 Serious Stress -10.1
Clay County, KY 67.0 Serious Stress -10.8

Population Peers

Counties with similar population (small) and closest distress scores nationally.

County Score Zone Difference
Holmes County, MS 77.8 Serious Stress +0.1
Jim Wells County, TX 78.1 Serious Stress +0.3
Washington County, MS 78.1 Serious Stress +0.4
Hardee County, FL 77.3 Serious Stress -0.5
Halifax County, NC 77.3 Serious Stress -0.5

Download Data

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

Resources

Bell County scores in the Serious Stress zone. If you or someone you know is experiencing financial hardship, free help is available.

Frequently Asked Questions

What is the distress score for Bell County, Kentucky?

Bell County has a County Distress Index score of 77.8 out of 100, placing it in the Serious Stress zone. It ranks 19th nationally out of 3,144 counties and 1st in Kentucky out of 120 counties.

What drives financial distress in Bell County?

The primary driver of distress in Bell County is Income & Poverty, where the county scores 98.3 out of 100. This domain is measured by indicators including Poverty Rate, Income vs. State Median, Child Poverty Rate.

How does Bell County compare to neighboring counties?

Bell County (77.8) can be compared to its 5 neighboring counties: Lee County, VA (73.2); Knox County, KY (71.5); Harlan County, KY (69.3).

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 Bell County?

Bell County, Kentucky has a population of approximately 23,317 (2023 Census estimate), classified as a small county.

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If you're struggling with debt or facing foreclosure, free help is available. Find help near you · Browse the Glossary · The U.S. Department of Housing and Urban Development provides HUD-approved housing counselors at no cost. You can also call 1-800-569-4287.