Spencer County, Kentucky

County Distress Index: Healthy · 32.9 | 20,531 people · 116th most distressed in Kentucky

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Spencer County, KY ranks among the least distressed counties in the country at 32.9 — 2761st nationally out of 3144 counties. The primary driver is Employment & Wages, where employment and wage conditions show moderate stress. Within Kentucky, it ranks 116th of 120 counties. Among its 5 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Spencer County's primary driver is Employment & Wages at 58.6 — above the national median.

Employment & Wages Primary driver 58.6
Unemployment Rate 27
Wage-to-Rent Ratio 88
Business Formation Rate 61
Debt & Delinquency 51.6
Debt in Collections 29
Medical Debt 62
Student Loan Delinquency 52
Auto Loan Delinquency 42
Credit Card Delinquency 54
Bankruptcy Filing Rate 70
Community Vulnerability 28.8
Uninsured Rate 12
Disability Rate 45
Housing Cost Burden 22.3
Rent-Burdened (30%+) 40
Severely Rent-Burdened (50%+) 17
Mortgage-Burdened (30%+) 48
Homeownership Rate 2
Rent-to-Income Ratio 5
Income & Poverty 3.1
Poverty Rate 4
Income vs. State Median 1
Child Poverty Rate 4

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Spencer County
Spencer County, KY 32.9 Healthy
Jefferson County, KY 47.7 Normal +14.8
Anderson County, KY 41.2 Normal +8.3
Nelson County, KY 37.7 Normal +4.8
Bullitt County, KY 36.1 Normal +3.2
Shelby County, KY 32.4 Healthy -0.5

Population Peers

County Score Zone vs. Spencer County
Ralls County, MO 32.9 Healthy -0.0
Lamoille County, VT 33.0 Healthy +0.1
Andrew County, MO 32.8 Healthy -0.1
Clarke County, VA 33.0 Healthy +0.1
Jo Daviess County, IL 32.8 Healthy -0.1

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