Gallatin County, Kentucky

County Distress Index: Elevated · 54.9 | 8,792 people · 64th most distressed in Kentucky

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

Gallatin County, KY registers elevated household financial distress with a score of 54.9 — 1216th 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 64th of 120 counties. Among its 5 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Gallatin County's primary driver is Debt & Delinquency at 64.0 — above the national median.

Debt & Delinquency Primary driver 64.0
Debt in Collections 83
Medical Debt 67
Student Loan Delinquency 7
Auto Loan Delinquency 88
Credit Card Delinquency 44
Bankruptcy Filing Rate 95
Community Vulnerability 62.9
Uninsured Rate 64
Disability Rate 61
Employment & Wages 55.2
Unemployment Rate 49
Wage-to-Rent Ratio 31
Business Formation Rate 85
Housing Cost Burden 54.0
Rent-Burdened (30%+) 64
Severely Rent-Burdened (50%+) 14
Mortgage-Burdened (30%+) 60
Homeownership Rate 55
Rent-to-Income Ratio 76
Income & Poverty 38.4
Poverty Rate 47
Income vs. State Median 17
Child Poverty Rate 52

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Gallatin County
Gallatin County, KY 54.9 Elevated
Switzerland County, IN 59.1 Elevated +4.2
Carroll County, KY 49.3 Normal -5.6
Owen County, KY 49.0 Normal -5.9
Grant County, KY 48.0 Normal -6.9
Boone County, KY 32.2 Healthy -22.7

Population Peers

County Score Zone vs. Gallatin County
Huerfano County, CO 55.0 Elevated +0.1
Wrangell City and Borough, AK 54.8 Elevated -0.1
Piute County, UT 54.7 Elevated -0.1
Kenedy County, TX 54.7 Elevated -0.2
Bennett County, SD 55.1 Elevated +0.2

Download Data

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

Find Help in Gallatin County

Find an Attorney

Kentucky Bar Association Lawyer Referral offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Free Legal Aid

Legal aid organizations serving Gallatin County residents at no cost.

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.