Montgomery County, Kentucky

County Distress Index: Elevated · 56.0 | 28,527 people · 58th most distressed in Kentucky
American Default Research

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Montgomery County, KY registers elevated household financial distress with a score of 56.0 — 1143rd 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 58th 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. Montgomery County's primary driver is Debt & Delinquency at 68.3 — above the national median.

Debt & Delinquency Primary driver 68.3
Debt in Collections 71
Medical Debt 66
Student Loan Delinquency 71
Auto Loan Delinquency 62
Credit Card Delinquency 54
Bankruptcy Filing Rate 86
Community Vulnerability 66.0
Uninsured Rate 50
Disability Rate 82
Income & Poverty 55.2
Poverty Rate 59
Income vs. State Median 53
Child Poverty Rate 53
Employment & Wages 45.9
Unemployment Rate 52
Wage-to-Rent Ratio 22
Business Formation Rate 64
Housing Cost Burden 44.7
Rent-Burdened (30%+) 8
Severely Rent-Burdened (50%+) 29
Mortgage-Burdened (30%+) 68
Homeownership Rate 81
Rent-to-Income Ratio 37

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Montgomery County
Montgomery County, KY 56.0 Elevated —
Powell County, KY 67.2 Serious +11.1
Menifee County, KY 62.0 Elevated +6.0
Nicholas County, KY 57.5 Elevated +1.5
Bath County, KY 57.2 Elevated +1.2
Bourbon County, KY 52.7 Elevated -3.3
Clark County, KY 45.5 Normal -10.5

Population Peers

County Score Zone vs. Montgomery County
De Soto Parish, LA 56.0 Elevated -0.0
Crawford County, MI 56.0 Elevated +0.0
Rains County, TX 56.0 Elevated +0.0
Caldwell County, KY 56.0 Elevated -0.1
Pierce County, GA 55.9 Elevated -0.1

Download Data

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

Find Help in Montgomery 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 Montgomery 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 Montgomery County, Kentucky?

    Montgomery County has a County Distress Index score of 56.0 out of 100, placing it in the Elevated zone. It ranks 1,143rd nationally out of 3,144 counties and 58th in Kentucky out of 120 counties.

  • What drives financial distress in Montgomery County?

    The primary driver of distress in Montgomery County is Debt & Delinquency, where the county scores 68.3 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Montgomery County compare to neighboring counties?

    Montgomery County (56.0) can be compared to its 6 neighboring counties: Powell County, KY (67.2); Menifee County, KY (62.0); Nicholas County, KY (57.5).

  • 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 Montgomery County?

    Montgomery County, Kentucky has a population of approximately 28,527 (2023 Census estimate), classified as a small county.