Boone County, Kentucky

County Distress Index: Healthy · 32.2 | 140,496 people · 118th most distressed in Kentucky
American Default Research

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Boone County, KY ranks among the least distressed counties in the country at 32.2 — 2789th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where debt and delinquency levels sit above the national average. Within Kentucky, it ranks 118th of 120 counties. It scores lower than all 7 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Boone County's primary driver is Debt & Delinquency at 46.8 — above the national median.

Debt & Delinquency Primary driver 46.8
Debt in Collections 40
Medical Debt 39
Student Loan Delinquency 43
Auto Loan Delinquency 36
Credit Card Delinquency 39
Bankruptcy Filing Rate 84
Employment & Wages 46.2
Unemployment Rate 27
Wage-to-Rent Ratio 68
Business Formation Rate 44
Housing Cost Burden 44.4
Rent-Burdened (30%+) 50
Severely Rent-Burdened (50%+) 59
Mortgage-Burdened (30%+) 54
Homeownership Rate 37
Rent-to-Income Ratio 21
Community Vulnerability 19.2
Uninsured Rate 21
Disability Rate 17
Income & Poverty 4.5
Poverty Rate 5
Income vs. State Median 3
Child Poverty Rate 6

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

Neighbors and Peers

How Boone County compares to its 7 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Boone County
Boone County, KY 32.2 Healthy —
Switzerland County, IN 59.1 Elevated +26.9
Gallatin County, KY 54.9 Elevated +22.7
Ohio County, IN 50.0 Normal +17.8
Hamilton County, OH 48.3 Normal +16.1
Grant County, KY 48.0 Normal +15.8
Kenton County, KY 37.4 Normal +5.2
Dearborn County, IN 35.3 Normal +3.1

Population Peers

County Score Zone vs. Boone County
Marathon County, WI 32.4 Healthy +0.1
Christian County, MO 32.0 Healthy -0.2
Calvert County, MD 32.6 Healthy +0.4
Allegan County, MI 32.6 Healthy +0.4
Windsor County, VT 32.7 Healthy +0.5

Download Data

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

Find Help in Boone County

Find an Attorney

Kentucky Bar Association Lawyer Referral offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Kentucky Bar Association Lawyer Referral 502-564-3795

Free Legal Aid

Legal aid organizations serving Boone County residents at no cost.

Legal Aid of the Bluegrass 1-800-928-4615
Kentucky Legal Aid 1-866-452-9243
Appalachian Research and Defense Fund of Kentucky (866) 277-5733
Legal Aid Society (502) 584-1254

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Frequently Asked Questions

  • What is the distress score for Boone County, Kentucky?

    Boone County has a County Distress Index score of 32.2 out of 100, placing it in the Healthy zone. It ranks 2,789th nationally out of 3,144 counties and 118th in Kentucky out of 120 counties.

  • What drives financial distress in Boone County?

    The primary driver of distress in Boone County is Debt & Delinquency, where the county scores 46.8 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Boone County compare to neighboring counties?

    Boone County (32.2) can be compared to its 7 neighboring counties: Switzerland County, IN (59.1); Gallatin County, KY (54.9); Ohio County, IN (50.0).

  • 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 Boone County?

    Boone County, Kentucky has a population of approximately 140,496 (2023 Census estimate), classified as a mid county.