Breckinridge County, Kentucky

County Distress Index: Elevated · 50.9 | 21,124 people · 77th most distressed in Kentucky
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Breckinridge County, KY registers elevated household financial distress with a score of 50.9 — 1522nd nationally out of 3144 counties. The primary driver is Community Vulnerability, where health coverage gaps and disability rates are moderately elevated. Within Kentucky, it ranks 77th of 120 counties. Among its 6 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Breckinridge County's primary driver is Community Vulnerability at 63.0 — above the national median.

Community Vulnerability Primary driver 63.0
Uninsured Rate 36
Disability Rate 90
Employment & Wages 59.1
Unemployment Rate 61
Wage-to-Rent Ratio 38
Business Formation Rate 78
Debt & Delinquency 58.6
Debt in Collections 65
Medical Debt 74
Student Loan Delinquency 4
Auto Loan Delinquency 54
Credit Card Delinquency 75
Bankruptcy Filing Rate 79
Income & Poverty 58.2
Poverty Rate 70
Income vs. State Median 34
Child Poverty Rate 70
Housing Cost Burden 15.3
Rent-Burdened (30%+) 12
Severely Rent-Burdened (50%+) 17
Mortgage-Burdened (30%+) 22
Homeownership Rate 11
Rent-to-Income Ratio 16

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

Neighbors and Peers

How Breckinridge County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Breckinridge County
Breckinridge County, KY 50.9 Elevated —
Grayson County, KY 55.5 Elevated +4.6
Ohio County, KY 51.0 Elevated +0.2
Hardin County, KY 47.6 Normal -3.2
Perry County, IN 42.4 Normal -8.5
Meade County, KY 41.2 Normal -9.7
Hancock County, KY 36.8 Normal -14.0

Population Peers

County Score Zone vs. Breckinridge County
Logan County, CO 50.9 Elevated 0.0
Wadena County, MN 50.9 Elevated 0.0
Goshen County, WY 50.9 Elevated 0.0
Gilmer County, GA 50.9 Elevated +0.0
Transylvania County, NC 50.8 Elevated -0.0

Download Data

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

Find Help in Breckinridge 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 Breckinridge 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

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 Kentucky →

Continue Reading

Frequently Asked Questions

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

    Breckinridge County has a County Distress Index score of 50.9 out of 100, placing it in the Elevated zone. It ranks 1,522nd nationally out of 3,144 counties and 77th in Kentucky out of 120 counties.

  • What drives financial distress in Breckinridge County?

    The primary driver of distress in Breckinridge County is Community Vulnerability, where the county scores 63.0 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Breckinridge County compare to neighboring counties?

    Breckinridge County (50.9) can be compared to its 6 neighboring counties: Grayson County, KY (55.5); Ohio County, KY (51.0); Hardin County, KY (47.6).

  • 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 Breckinridge County?

    Breckinridge County, Kentucky has a population of approximately 21,124 (2023 Census estimate), classified as a small county.