Pendleton County, Kentucky

County Distress Index: Normal · 49.3 | 14,810 people · 80th most distressed in Kentucky
American Default Research

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Pendleton County, KY falls within the normal range for household financial distress at 49.3 — 1641st nationally out of 3144 counties. The primary driver is Employment & Wages, where employment and wage conditions show moderate stress. Within Kentucky, it ranks 80th of 120 counties. Among its 6 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Pendleton County's primary driver is Employment & Wages at 62.6 — above the national median.

Employment & Wages Primary driver 62.6
Unemployment Rate 45
Wage-to-Rent Ratio 79
Business Formation Rate 64
Community Vulnerability 53.2
Uninsured Rate 22
Disability Rate 84
Debt & Delinquency 52.3
Debt in Collections 70
Medical Debt 47
Student Loan Delinquency 17
Auto Loan Delinquency 55
Credit Card Delinquency 45
Bankruptcy Filing Rate 79
Housing Cost Burden 42.9
Rent-Burdened (30%+) 17
Severely Rent-Burdened (50%+) 64
Mortgage-Burdened (30%+) 15
Homeownership Rate 52
Rent-to-Income Ratio 66
Income & Poverty 35.7
Poverty Rate 47
Income vs. State Median 12
Child Poverty Rate 48

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Pendleton County
Pendleton County, KY 49.3 Normal —
Bracken County, KY 53.5 Elevated +4.1
Grant County, KY 48.0 Normal -1.4
Harrison County, KY 45.7 Normal -3.6
Clermont County, OH 41.9 Normal -7.4
Campbell County, KY 37.6 Normal -11.8
Kenton County, KY 37.4 Normal -12.0

Population Peers

County Score Zone vs. Pendleton County
Habersham County, GA 49.4 Normal +0.0
Venango County, PA 49.3 Normal -0.0
Marshall County, WV 49.3 Normal -0.0
Lee County, IA 49.4 Normal +0.1
Pike County, MO 49.4 Normal +0.1

Download Data

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

Find Help in Pendleton 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 Pendleton 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 Pendleton County, Kentucky?

    Pendleton County has a County Distress Index score of 49.3 out of 100, placing it in the Normal zone. It ranks 1,641st nationally out of 3,144 counties and 80th in Kentucky out of 120 counties.

  • What drives financial distress in Pendleton County?

    The primary driver of distress in Pendleton County is Employment & Wages, where the county scores 62.6 out of 100. This domain is measured by indicators including Unemployment Rate, Wage-to-Rent Ratio, Business Formation Rate.

  • How does Pendleton County compare to neighboring counties?

    Pendleton County (49.3) can be compared to its 6 neighboring counties: Bracken County, KY (53.5); Grant County, KY (48.0); Harrison County, KY (45.7).

  • 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 Pendleton County?

    Pendleton County, Kentucky has a population of approximately 14,810 (2023 Census estimate), classified as a small county.