Woodford County, Kentucky

County Distress Index: Healthy · 29.3 | 27,268 people · 119th most distressed in Kentucky
American Default Research

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Woodford County, KY ranks among the least distressed counties in the country at 29.3 — 2909th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing remains relatively affordable compared to local incomes. Within Kentucky, it ranks 119th of 120 counties. It scores lower than all 6 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Woodford County's primary driver is Housing Cost Burden at 42.0 — above the national median.

Housing Cost Burden Primary driver 42.0
Rent-Burdened (30%+) 49
Severely Rent-Burdened (50%+) 18
Mortgage-Burdened (30%+) 46
Homeownership Rate 64
Rent-to-Income Ratio 33
Employment & Wages 38.9
Unemployment Rate 13
Wage-to-Rent Ratio 75
Business Formation Rate 28
Debt & Delinquency 30.4
Debt in Collections 38
Medical Debt 42
Student Loan Delinquency 3
Auto Loan Delinquency 23
Credit Card Delinquency 14
Bankruptcy Filing Rate 64
Income & Poverty 18.2
Poverty Rate 25
Income vs. State Median 6
Child Poverty Rate 23
Community Vulnerability 17.1
Uninsured Rate 9
Disability Rate 25

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Woodford County
Woodford County, KY 29.3 Healthy —
Fayette County, KY 45.6 Normal +16.3
Franklin County, KY 42.7 Normal +13.4
Anderson County, KY 41.2 Normal +11.9
Mercer County, KY 40.2 Normal +10.9
Jessamine County, KY 38.6 Normal +9.3
Scott County, KY 33.4 Healthy +4.1

Population Peers

County Score Zone vs. Woodford County
Platte County, NE 29.3 Healthy +0.0
Williams County, ND 29.4 Healthy +0.1
Mahaska County, IA 29.4 Healthy +0.1
Wyandot County, OH 29.2 Healthy -0.1
York County, NE 29.4 Healthy +0.1

Download Data

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

Find Help in Woodford 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 Woodford 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 Woodford County, Kentucky?

    Woodford County has a County Distress Index score of 29.3 out of 100, placing it in the Healthy zone. It ranks 2,909th nationally out of 3,144 counties and 119th in Kentucky out of 120 counties.

  • What drives financial distress in Woodford County?

    The primary driver of distress in Woodford County is Housing Cost Burden, where the county scores 42.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Woodford County compare to neighboring counties?

    Woodford County (29.3) can be compared to its 6 neighboring counties: Fayette County, KY (45.6); Franklin County, KY (42.7); Anderson County, KY (41.2).

  • 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 Woodford County?

    Woodford County, Kentucky has a population of approximately 27,268 (2023 Census estimate), classified as a small county.