Carroll County, Kentucky

County Distress Index: Normal · 49.3 | 10,987 people · 81st most distressed in Kentucky
American Default Research

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Carroll County, KY falls within the normal range for household financial distress at 49.3 — 1651st nationally out of 3144 counties. The primary driver is Debt & Delinquency, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Kentucky, it ranks 81st of 120 counties. Among its 6 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Carroll County's primary driver is Debt & Delinquency at 67.2 — above the national median.

Debt & Delinquency Primary driver 67.2
Debt in Collections 95
Medical Debt 77
Student Loan Delinquency 7
Auto Loan Delinquency 86
Credit Card Delinquency 67
Bankruptcy Filing Rate 70
Community Vulnerability 63.7
Uninsured Rate 63
Disability Rate 64
Income & Poverty 54.9
Poverty Rate 69
Income vs. State Median 24
Child Poverty Rate 72
Housing Cost Burden 38.4
Rent-Burdened (30%+) 32
Severely Rent-Burdened (50%+) 19
Mortgage-Burdened (30%+) 31
Homeownership Rate 86
Rent-to-Income Ratio 24
Employment & Wages 22.2
Unemployment Rate 23
Wage-to-Rent Ratio 5
Business Formation Rate 39

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Carroll County
Carroll County, KY 49.3 Normal —
Switzerland County, IN 59.1 Elevated +9.8
Henry County, KY 56.6 Elevated +7.4
Gallatin County, KY 54.9 Elevated +5.6
Jefferson County, IN 51.0 Elevated +1.7
Owen County, KY 49.0 Normal -0.2
Trimble County, KY 37.2 Normal -12.1

Population Peers

County Score Zone vs. Carroll County
Wetzel County, WV 49.3 Normal 0.0
Cleburne County, AL 49.3 Normal -0.0
Venango County, PA 49.3 Normal +0.0
Marshall County, WV 49.3 Normal +0.0
Williams County, OH 49.2 Normal -0.0

Download Data

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

Find Help in Carroll 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 Carroll 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 Carroll County, Kentucky?

    Carroll County has a County Distress Index score of 49.3 out of 100, placing it in the Normal zone. It ranks 1,651st nationally out of 3,144 counties and 81st in Kentucky out of 120 counties.

  • What drives financial distress in Carroll County?

    The primary driver of distress in Carroll County is Debt & Delinquency, where the county scores 67.2 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Carroll County compare to neighboring counties?

    Carroll County (49.3) can be compared to its 6 neighboring counties: Switzerland County, IN (59.1); Henry County, KY (56.6); Gallatin County, KY (54.9).

  • 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 Carroll County?

    Carroll County, Kentucky has a population of approximately 10,987 (2023 Census estimate), classified as a small county.