Caldwell County, Kentucky
More than double the national median for bankruptcy filing rate — and 34.9× the rate of the healthiest U.S. county (Glacier County, MT — 7).
Main Findings
Caldwell County, Kentucky ranks 905th most distressed in the United States on the County Distress Index. The driver: a bankruptcy filing rate of 255 — more than double the national median of 126. Its highest-scoring domain is Default & Legal.
- 905th of 3,144 counties on the County Distress Index — 62.5 · moderate-high county distress, 82nd in Kentucky.
- A bankruptcy filing rate of 255 (U.S. median 126). Bankruptcy filing rate at the 86th percentile nationally. Source: Administrative Office of the U.S. Courts, F-5A (2025).
- Disability rate at 26% — national median 16%, ranked at the 95th percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
- Unemployment at 4% — national median 4%, ranked at the 70th percentile. Source: U.S. Bureau of Labor Statistics, LAUS (May 2026).
- Subprime credit share at 29% — national median 23%, ranked at the 72nd percentile. Source: Federal Reserve Bank of St. Louis, Equifax (2025).
Neighbors span three CDI score labels. The 28-point drop to Webster County marks where the Kentucky distress corridor ends.
Caldwell County has a moderate-high county distress score. The domain mix shows whether pressure is concentrated or spread across the profile.
The CDI gives this county a moderate-high county distress label. The domain table shows whether the score comes from debt, labor, safety-net pressure, or a mix. Its highest-scoring domain is Default & Legal.
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to Urban Institute Debt in America (2025), Caldwell County's auto loan delinquency indicator is at the 9th percentile. American Default Research's CDI places every other indicator in the Delinquency domain at or above the 69th percentile. The gap stands out against the other credit indicators. Worth a call to the source agency or a local subject-matter contact in Princeton.
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 Caldwell County's CDI Score
Every number traces to a public source. Caldwell County's value shown alongside KY's median and the U.S. median. Full CSV available for download.
| Indicator | Caldwell | KY median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 50 · Rank 1,556 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 3% | 6% | 5% | 9th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 7% | 6% | 5% | 69th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 29% | 28% | 23% | 72nd | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 78 · Rank 478 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 29% | 29% | 23% | 70th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 255 | 243 | 126 | 86th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 40 · Rank 1,999 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 20% | 20% | 21% | 36th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 17% | 18% | 18% | 44th | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 70 · Rank 902 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 5% | 4% | 70th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 74 · Rank 625 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 22% | 22% | 18% | 68th | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 26% | 21% | 16% | 95th | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 16% | 17% | 14% | 66th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 10% | 6% | 8% | 62nd | 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 Caldwell County data — in under 60 seconds.
Draft wire copy 129-word AP-style article — use freely with attribution
PRINCETON, Ky. — Caldwell County ranks 905th 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 62.5 out of 100 gives Caldwell a moderate-high county distress label. Among 3,144 U.S. counties scored, 904 counties rank more distressed. Within Kentucky, Caldwell ranks 82nd 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 default & legal as the primary driver in Caldwell. A bankruptcy filing rate of 255 — more than double the national median of 126.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Caldwell County's CDI score, and what does it mean?
What drives Caldwell County's distress score?
How does Caldwell County compare to its neighbors?
How is the County Distress Index calculated?
Caldwell County resident looking for help? HUD counselors, legal aid, and attorney referrals →