Carlisle County, Kentucky

County Distress Index: Normal · 45.0 | 4,704 people · 101st most distressed in Kentucky
American Default Research

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Carlisle County, KY falls within the normal range for household financial distress at 45.0 — 1981st 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 101st of 120 counties. Among its 5 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Carlisle County's primary driver is Debt & Delinquency at 58.4 — above the national median.

Debt & Delinquency Primary driver 58.4
Debt in Collections 66
Medical Debt 65
Student Loan Delinquency 7
Auto Loan Delinquency 63
Credit Card Delinquency 89
Bankruptcy Filing Rate 59
Employment & Wages 46.0
Unemployment Rate 49
Wage-to-Rent Ratio 36
Business Formation Rate 53
Income & Poverty 45.0
Poverty Rate 45
Income vs. State Median 37
Child Poverty Rate 53
Community Vulnerability 41.8
Uninsured Rate 32
Disability Rate 51
Housing Cost Burden 34.0
Rent-Burdened (30%+) 49
Severely Rent-Burdened (50%+) 7
Mortgage-Burdened (30%+) 76
Homeownership Rate 13
Rent-to-Income Ratio 25

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Carlisle County
Carlisle County, KY 45.0 Normal —
Mississippi County, MO 76.6 Serious +31.6
Graves County, KY 55.0 Elevated +9.9
Hickman County, KY 53.1 Elevated +8.0
McCracken County, KY 47.7 Normal +2.6
Ballard County, KY 36.2 Normal -8.9

Population Peers

County Score Zone vs. Carlisle County
Valley County, MT 45.0 Normal -0.1
Roberts County, TX 45.0 Normal -0.1
Cheyenne County, NE 45.0 Normal -0.1
Toole County, MT 45.1 Normal +0.1
Doddridge County, WV 45.1 Normal +0.1

Download Data

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

Find Help in Carlisle 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 Carlisle 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 Carlisle County, Kentucky?

    Carlisle County has a County Distress Index score of 45.0 out of 100, placing it in the Normal zone. It ranks 1,981st nationally out of 3,144 counties and 101st in Kentucky out of 120 counties.

  • What drives financial distress in Carlisle County?

    The primary driver of distress in Carlisle County is Debt & Delinquency, where the county scores 58.4 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Carlisle County compare to neighboring counties?

    Carlisle County (45.0) can be compared to its 5 neighboring counties: Mississippi County, MO (76.6); Graves County, KY (55.0); Hickman County, KY (53.1).

  • 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 Carlisle County?

    Carlisle County, Kentucky has a population of approximately 4,704 (2023 Census estimate), classified as a tiny county.