Todd County, Kentucky
Above the national median for bankruptcy filing rate — and 32.9× the rate of the healthiest U.S. county (Glacier County, MT — 7).
Main Findings
Todd County, Kentucky ranks 1,166th most distressed in the United States on the County Distress Index. The driver: a bankruptcy filing rate of 240 — above the national median of 126. Its highest-scoring domain is Default & Legal.
- 1,166th of 3,144 counties on the County Distress Index — 57.8 · moderate county distress, 99th in Kentucky.
- A bankruptcy filing rate of 240 (U.S. median 126). Bankruptcy filing rate at the 84th percentile nationally. Source: Administrative Office of the U.S. Courts, F-5A (2025).
- Uninsured rate at 18% — national median 8%, ranked at the 95th percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
- Unemployment at 4% — national median 4%, ranked at the 60th percentile. Source: U.S. Bureau of Labor Statistics, LAUS (May 2026).
- Subprime credit share at 29% — national median 23%, ranked at the 72nd percentile. Source: Federal Reserve Bank of St. Louis, Equifax (2025).
Neighbors span five CDI score labels. The 36-point drop to Robertson County, TN marks a cross-border distress gradient.
Todd County has a moderate county distress score. The county sits near the middle of the CDI score scale, so the domain mix carries the story.
The CDI gives this county a moderate county distress label. The domain mix matters because the same composite score can come from very different local conditions. Its highest-scoring domain is Default & Legal.
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Todd County's CDI Score
Every number traces to a public source. Todd County's value shown alongside KY's median and the U.S. median. Full CSV available for download.
| Indicator | Todd | KY median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 60 · Rank 1,226 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 5% | 6% | 5% | 42nd | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 6% | 6% | 5% | 65th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 29% | 28% | 23% | 72nd | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 77 · Rank 528 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 28% | 29% | 23% | 70th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 240 | 243 | 126 | 84th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 20 · Rank 2,773 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 19% | 20% | 21% | 30th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 9% | 18% | 18% | 10th | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 60 · Rank 1,197 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 5% | 4% | 60th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 72 · Rank 695 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 23% | 22% | 18% | 72nd | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 17% | 21% | 16% | 59th | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 16% | 17% | 14% | 69th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 18% | 6% | 8% | 95th | U.S. Census Bureau, ACS 5-year (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), FRED/Equifax (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (Local Area Unemployment Statistics), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2022 to 2026 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Todd County data — in under 60 seconds.
Draft wire copy 127-word AP-style article — use freely with attribution
ELKTON, Ky. — Todd County ranks 1,166th 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 57.8 out of 100 gives Todd a moderate county distress label. Among 3,144 U.S. counties scored, 1,165 counties rank more distressed. Within Kentucky, Todd ranks 99th of 120 counties.
The index, which draws on 13 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 Todd. A bankruptcy filing rate of 240 — above the national median of 126.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Todd County's CDI score, and what does it mean?
What drives Todd County's distress score?
How does Todd County compare to its neighbors?
How is the County Distress Index calculated?
Todd County resident looking for help? HUD counselors, legal aid, and attorney referrals →