Scott County, Kentucky

County Distress Index: Healthy · 33.4 | 60,168 people · 115th most distressed in Kentucky
American Default Research

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Scott County, KY ranks among the least distressed counties in the country at 33.4 — 2735th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where debt and delinquency levels sit above the national average. Within Kentucky, it ranks 115th of 120 counties. Among its 7 neighboring counties, 6 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Scott County's primary driver is Debt & Delinquency at 52.7 — above the national median.

Debt & Delinquency Primary driver 52.7
Debt in Collections 53
Medical Debt 52
Student Loan Delinquency 45
Auto Loan Delinquency 42
Credit Card Delinquency 45
Bankruptcy Filing Rate 80
Housing Cost Burden 42.8
Rent-Burdened (30%+) 40
Severely Rent-Burdened (50%+) 26
Mortgage-Burdened (30%+) 62
Homeownership Rate 61
Rent-to-Income Ratio 24
Community Vulnerability 28.1
Uninsured Rate 16
Disability Rate 40
Employment & Wages 27.7
Unemployment Rate 23
Wage-to-Rent Ratio 14
Business Formation Rate 46
Income & Poverty 15.8
Poverty Rate 21
Income vs. State Median 5
Child Poverty Rate 22

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

Neighbors and Peers

How Scott County compares to its 7 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Scott County
Scott County, KY 33.4 Healthy —
Bourbon County, KY 52.7 Elevated +19.3
Owen County, KY 49.0 Normal +15.6
Grant County, KY 48.0 Normal +14.6
Harrison County, KY 45.7 Normal +12.3
Fayette County, KY 45.6 Normal +12.2
Franklin County, KY 42.7 Normal +9.3
Woodford County, KY 29.3 Healthy -4.1

Population Peers

County Score Zone vs. Scott County
St. Mary's County, MD 33.5 Healthy +0.1
Stafford County, VA 33.3 Healthy -0.1
Winnebago County, WI 33.2 Healthy -0.2
Fond du Lac County, WI 33.7 Healthy +0.3
Grand Forks County, ND 33.2 Healthy -0.3

Download Data

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

Find Help in Scott 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 Scott 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

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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Frequently Asked Questions

  • What is the distress score for Scott County, Kentucky?

    Scott County has a County Distress Index score of 33.4 out of 100, placing it in the Healthy zone. It ranks 2,735th nationally out of 3,144 counties and 115th in Kentucky out of 120 counties.

  • What drives financial distress in Scott County?

    The primary driver of distress in Scott County is Debt & Delinquency, where the county scores 52.7 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Scott County compare to neighboring counties?

    Scott County (33.4) can be compared to its 7 neighboring counties: Bourbon County, KY (52.7); Owen County, KY (49.0); Grant County, KY (48.0).

  • 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 Scott County?

    Scott County, Kentucky has a population of approximately 60,168 (2023 Census estimate), classified as a mid county.