Laurel County, Kentucky
Above the national median for unemployment — and 5.9× the rate of the healthiest U.S. county (Loving County, TX — 1%).
Main Findings
Laurel County, Kentucky ranks 212th most distressed in the United States on the County Distress Index. The driver: 6% of the labor force is unemployed — above the national median of 4%. Its highest-scoring domain is Labor.
- 212th of 3,144 counties on the County Distress Index — 77.6 · high county distress, 20th in Kentucky.
- 6% of the labor force is unemployed (U.S. median 4%). Unemployment at the 95th percentile nationally. Source: U.S. Bureau of Labor Statistics, LAUS (May 2026).
- Bankruptcy filing rate at 431 — national median 126, ranked at the 97th percentile. Source: Administrative Office of the U.S. Courts, F-5A (2025).
- Subprime credit share at 34% — national median 23%, ranked at the 85th percentile. Source: Federal Reserve Bank of St. Louis, Equifax (2025).
- Poverty rate at 22% — national median 14%, ranked at the 91st percentile. Source: U.S. Census Bureau, SAIPE (2023).
"Laurel County has a high county distress score. The score label gives the intensity; the rank gives the national position."
"The CDI gives this county a high county distress label. The rank belongs beside the score because the two answer different questions: score intensity and national position. Its highest-scoring domain is Labor."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, SAIPE (2023), 28% of children under 18 in Laurel County live below the federal poverty line, versus 18% nationally. When a county's adult poverty rate is accompanied by a materially higher child poverty rate, the gap typically reflects single-parent household concentration or limited access to workforce-participation supports (childcare, transportation). Worth a call to the local school district's free-and-reduced-lunch coordinator or a regional United Way affiliate.
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Laurel County's CDI Score
Every number traces to a public source. Laurel County's value shown alongside KY's median and the U.S. median. Full CSV available for download.
| Indicator | Laurel | KY median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 80 · Rank 545 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 7% | 6% | 5% | 71st | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 8% | 6% | 5% | 83rd | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 34% | 28% | 23% | 85th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 90 · Rank 142 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 34% | 29% | 23% | 83rd | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 431 | 243 | 126 | 97th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 47 · Rank 1,682 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 20% | 20% | 21% | 42nd | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 18% | 18% | 18% | 52nd | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 95 · Rank 165 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 6% | 5% | 4% | 95th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 76 · Rank 533 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 28% | 22% | 18% | 86th | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 19% | 21% | 16% | 73rd | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 22% | 17% | 14% | 91st | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 8% | 6% | 8% | 51st | U.S. Census Bureau, ACS 5-year (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), FRED/Equifax (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (Local Area Unemployment Statistics), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2022 to 2026 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Laurel County data — in under 60 seconds.
Draft wire copy 142-word AP-style article — use freely with attribution
LONDON, Ky. — Laurel County ranks 212th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 77.6 out of 100 gives Laurel a high county distress label. Among 3,144 U.S. counties scored, 211 counties rank more distressed. Within Kentucky, Laurel ranks 20th of 120 counties.
The index, which draws on 13 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies labor as the primary driver in Laurel. 6% of the labor force is unemployed — above the national median of 4%.
"Laurel County has a high county distress score. The score label gives the intensity; the rank gives the national position," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Laurel County's CDI score, and what does it mean?
What drives Laurel County's distress score?
How does Laurel County compare to its neighbors?
How is the County Distress Index calculated?
Laurel County resident looking for help? HUD counselors, legal aid, and attorney referrals →