Rowan County, Kentucky
Above the national median of residents with debt in collections — and 17.8× the rate of the healthiest U.S. county (Logan County, ND — 2%).
Main Findings
Rowan County, Kentucky ranks 444th most distressed in the United States on the County Distress Index. The driver: 34% of residents with a credit file carry debt in collections — above the national median of 23%.
- 444th of 3,144 counties on the County Distress Index — Most distressed fifth, 36th in Kentucky.
- 34% of residents with a credit file carry debt in collections (U.S. median 23%). Debt in collections at the 84th percentile nationally.
- Auto loan delinquency at 8% — national median 5%, ranked at the 81st percentile.
- Poverty rate at 24% — national median 14%, ranked at the 94th percentile.
- Unemployment at 4% — national median 4%, ranked at the 71st percentile.
"Rowan County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated."
"The CDI places this county in the most distressed fifth nationally. The rank is the important geography signal: it compares the county with every other county-equivalent in the release."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
Rowan County's uninsured rate indicator is at the 26th percentile — while every other indicator in the safety_net_buffer domain sits at or above the 61st percentile. The gap stands out against poverty rate and transfer-income dependency. Worth a call to Urban Institute or a local credit counselor in Morehead.
The Indicators Behind Rowan County's CDI Score
Every number traces to a public source. Rowan County's value shown alongside KY's median and the U.S. median. Full CSV available for download.
| Indicator | Rowan | KY median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 75 · Rank 678 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 8% | 6% | 5% | 81st | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 7% | 6% | 5% | 70th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 30% | 28% | 23% | 75th | Urban Institute (2024) |
| Default & Legal — domain score 76 · Rank 555 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 34% | 29% | 23% | 84th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 172 | 243 | 126 | 68th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 57 · Rank 1,221 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 21% | 20% | 21% | 51st | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 20% | 18% | 18% | 63rd | Census ACS 5-yr (2023) |
| Labor — domain score 71 · Rank 889 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 71st | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 73 · Rank 666 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 23% | 22% | 18% | 74th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 17% | 21% | 16% | 61st | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 24% | 17% | 14% | 94th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 36% | 34% | 27% | 87th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 6% | 6% | 8% | 26th | Census ACS 5-yr (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), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Rowan County data — in under 60 seconds.
Draft wire copy 150-word AP-style article — use freely with attribution
MOREHEAD, Ky. — Rowan County ranks 444th 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 71 out of 100 places Rowan in the most distressed fifth. Among 3,144 U.S. counties scored, 443 counties rank more distressed. Within Kentucky, Rowan ranks 36th of 120 counties.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies default & legal as the primary driver in Rowan. 34% of residents with a credit file carry debt in collections — above the national median of 23%.
"Rowan County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated," 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 Rowan County's CDI score, and what does it mean?
What drives Rowan County's distress score?
How does Rowan County compare to its neighbors?
How is the County Distress Index calculated?
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