Oldham County, Kentucky

County Distress Index: Healthy · 15.1 | 70,183 people · 120th most distressed in Kentucky
American Default Research

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Oldham County, KY ranks among the least distressed counties in the country at 15.1 — 3142nd nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing remains relatively affordable compared to local incomes. Within Kentucky, it ranks 120th of 120 counties. It scores lower than all 5 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Oldham County's primary driver is Housing Cost Burden at 25.9 — above the national median.

Housing Cost Burden Primary driver 25.9
Rent-Burdened (30%+) 38
Severely Rent-Burdened (50%+) 19
Mortgage-Burdened (30%+) 72
Homeownership Rate 1
Rent-to-Income Ratio 0
Employment & Wages 25.1
Unemployment Rate 19
Wage-to-Rent Ratio 25
Business Formation Rate 32
Debt & Delinquency 21.7
Debt in Collections 13
Medical Debt 50
Student Loan Delinquency 0
Auto Loan Delinquency 8
Credit Card Delinquency 9
Bankruptcy Filing Rate 50
Community Vulnerability 1.9
Uninsured Rate 1
Disability Rate 2
Income & Poverty 0.8
Poverty Rate 2
Income vs. State Median 0
Child Poverty Rate 1

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Oldham County
Oldham County, KY 15.1 Healthy —
Henry County, KY 56.6 Elevated +41.5
Jefferson County, KY 47.7 Normal +32.6
Clark County, IN 43.9 Normal +28.8
Trimble County, KY 37.2 Normal +22.1
Shelby County, KY 32.4 Healthy +17.3

Population Peers

County Score Zone vs. Oldham County
Lincoln County, SD 15.2 Healthy +0.1
Delaware County, OH 18.8 Healthy +3.7
Dallas County, IA 19.1 Healthy +4.0
Warrick County, IN 20.9 Healthy +5.7
Boone County, IN 21.0 Healthy +5.9

Download Data

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

Find Help in Oldham 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 Oldham 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 Oldham County, Kentucky?

    Oldham County has a County Distress Index score of 15.1 out of 100, placing it in the Healthy zone. It ranks 3,142nd nationally out of 3,144 counties and 120th in Kentucky out of 120 counties.

  • What drives financial distress in Oldham County?

    The primary driver of distress in Oldham County is Housing Cost Burden, where the county scores 25.9 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Oldham County compare to neighboring counties?

    Oldham County (15.1) can be compared to its 5 neighboring counties: Henry County, KY (56.6); Jefferson County, KY (47.7); Clark County, IN (43.9).

  • 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 Oldham County?

    Oldham County, Kentucky has a population of approximately 70,183 (2023 Census estimate), classified as a mid county.