Calloway County, Kentucky

County Distress Index: Elevated · 58.4 | 38,280 people · 44th most distressed in Kentucky
American Default Research

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Calloway County, KY registers elevated household financial distress with a score of 58.4 — 955th 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 44th of 120 counties. Among its 5 neighboring counties, 3 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Calloway County's primary driver is Income & Poverty at 67.8 — above the national median.

Income & Poverty Primary driver 67.8
Poverty Rate 76
Income vs. State Median 68
Child Poverty Rate 59
Housing Cost Burden 67.7
Rent-Burdened (30%+) 63
Severely Rent-Burdened (50%+) 68
Mortgage-Burdened (30%+) 37
Homeownership Rate 87
Rent-to-Income Ratio 83
Employment & Wages 63.2
Unemployment Rate 58
Wage-to-Rent Ratio 74
Business Formation Rate 58
Community Vulnerability 50.8
Uninsured Rate 41
Disability Rate 61
Debt & Delinquency 42.4
Debt in Collections 35
Medical Debt 41
Student Loan Delinquency 2
Auto Loan Delinquency 66
Credit Card Delinquency 58
Bankruptcy Filing Rate 51

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

Neighbors and Peers

How Calloway County compares to its 5 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Calloway County
Calloway County, KY 58.4 Elevated —
Henry County, TN 66.8 Serious +8.4
Trigg County, KY 60.8 Elevated +2.5
Graves County, KY 55.0 Elevated -3.4
Marshall County, KY 46.2 Normal -12.2
Stewart County, TN 44.7 Normal -13.6

Population Peers

County Score Zone vs. Calloway County
Calhoun County, SC 58.4 Elevated 0.0
Lincoln County, OK 58.4 Elevated -0.0
Clinton County, PA 58.4 Elevated +0.0
Appling County, GA 58.4 Elevated +0.0
Union County, AR 58.4 Elevated +0.0

Download Data

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

Find Help in Calloway 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 Calloway 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 Calloway County, Kentucky?

    Calloway County has a County Distress Index score of 58.4 out of 100, placing it in the Elevated zone. It ranks 955th nationally out of 3,144 counties and 44th in Kentucky out of 120 counties.

  • What drives financial distress in Calloway County?

    The primary driver of distress in Calloway County is Income & Poverty, where the county scores 67.8 out of 100. This domain is measured by indicators including Poverty Rate, Income vs. State Median, Child Poverty Rate.

  • How does Calloway County compare to neighboring counties?

    Calloway County (58.4) can be compared to its 5 neighboring counties: Henry County, TN (66.8); Trigg County, KY (60.8); Graves County, KY (55.0).

  • 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 Calloway County?

    Calloway County, Kentucky has a population of approximately 38,280 (2023 Census estimate), classified as a small county.