Jessamine County, Kentucky

County Distress Index: Normal · 38.6 | 55,017 people · 107th most distressed in Kentucky
American Default Research

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

Jessamine County, KY falls within the normal range for household financial distress at 38.6 — 2436th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing costs consume a moderate share of household income. Within Kentucky, it ranks 107th 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. Jessamine County's primary driver is Housing Cost Burden at 56.0 — above the national median.

Housing Cost Burden Primary driver 56.0
Rent-Burdened (30%+) 58
Severely Rent-Burdened (50%+) 59
Mortgage-Burdened (30%+) 47
Homeownership Rate 73
Rent-to-Income Ratio 43
Employment & Wages 41.3
Unemployment Rate 27
Wage-to-Rent Ratio 72
Business Formation Rate 25
Debt & Delinquency 40.5
Debt in Collections 48
Medical Debt 53
Student Loan Delinquency 0
Auto Loan Delinquency 29
Credit Card Delinquency 34
Bankruptcy Filing Rate 79
Community Vulnerability 35.4
Uninsured Rate 35
Disability Rate 36
Income & Poverty 19.9
Poverty Rate 23
Income vs. State Median 8
Child Poverty Rate 28

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Jessamine County
Jessamine County, KY 38.6 Normal —
Garrard County, KY 50.3 Elevated +11.7
Fayette County, KY 45.6 Normal +7.0
Madison County, KY 43.1 Normal +4.5
Mercer County, KY 40.2 Normal +1.6
Woodford County, KY 29.3 Healthy -9.3

Population Peers

County Score Zone vs. Jessamine County
Barry County, MI 38.6 Normal 0.0
Fayette County, GA 38.7 Normal +0.0
Darke County, OH 38.6 Normal -0.0
Adams County, PA 38.7 Normal +0.1
Rockwall County, TX 38.7 Normal +0.1

Download Data

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

Find Help in Jessamine 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 Jessamine 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

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

Need legal help? Find a foreclosure defense attorney in Kentucky →

Continue Reading

Frequently Asked Questions

  • What is the distress score for Jessamine County, Kentucky?

    Jessamine County has a County Distress Index score of 38.6 out of 100, placing it in the Normal zone. It ranks 2,436th nationally out of 3,144 counties and 107th in Kentucky out of 120 counties.

  • What drives financial distress in Jessamine County?

    The primary driver of distress in Jessamine County is Housing Cost Burden, where the county scores 56.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Jessamine County compare to neighboring counties?

    Jessamine County (38.6) can be compared to its 5 neighboring counties: Garrard County, KY (50.3); Fayette County, KY (45.6); Madison County, KY (43.1).

  • 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 Jessamine County?

    Jessamine County, Kentucky has a population of approximately 55,017 (2023 Census estimate), classified as a mid county.