Campbell County, Kentucky

County Distress Index: Normal · 45.6 | 93,702 people · 111th most distressed in Kentucky
American Default Research

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Campbell County, KY falls within the normal range for household financial distress at 45.6 — 1869th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Kentucky, it ranks 111th of 120 counties. It scores lower than all 4 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Campbell County's primary driver is Housing Cost Burden at 78.0 — worse than roughly 78% of U.S. counties.

Housing Cost Burden Primary driver 78.0
Rent-Burdened (30%+) 80
Severely Rent-Burdened (50%+) 87
Mortgage-Burdened (30%+) 59
Homeownership Rate 66
Legal Distress 66.2
Bankruptcy Filing Rate 66
Economic Vitality 56.9
Wage-to-Rent Ratio 72
Rent-to-Income Ratio 41
Business Formation Rate 49
House Price Change (YoY) 43
Consumer Credit Distress 32.8
Debt in Collections 40
Medical Debt 40
Auto Loan Delinquency 34
Credit Card Delinquency 19
Uninsured Rate 13
Subprime Credit Population 38
Structural Poverty 18.3
Unemployment Rate 27
Poverty Rate 23
Income vs. State Median 5
Child Poverty Rate 18
Disability Rate 28
Transfer Income Dependency 16

Scores are percentile-based: 50 = national median, higher = more distressed.

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Campbell County
Campbell County, KY 45.6 Normal —
Hamilton County, OH 60.1 Elevated +14.6
Pendleton County, KY 53.7 Elevated +8.1
Kenton County, KY 48.0 Normal +2.5
Clermont County, OH 47.2 Normal +1.6

Population Peers

CountyScoreZonevs. Campbell County
Newton County, MO 45.6 Normal +0.1
Washington County, UT 45.7 Normal +0.1
Martin County, FL 45.3 Normal -0.2
Johnson County, MO 45.8 Normal +0.2
Tuscola County, MI 45.8 Normal +0.3

Download Data

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

Find Help in Campbell County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Campbell County.

BRIGHTON CENTER, INCORPORATED
NEWPORT
859-491-8303 Website
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling

See all counselors in Kentucky →

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 Campbell 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.

Need legal help? Find a foreclosure defense attorney in Kentucky →

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Frequently Asked Questions

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

    Campbell County has a County Distress Index score of 45.6 out of 100, placing it in the Normal zone. It ranks 1,869th nationally out of 3,144 counties and 111th in Kentucky out of 120 counties.

  • What drives financial distress in Campbell County?

    The primary driver of distress in Campbell County is Housing Cost Burden, where the county scores 78.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Campbell County compare to neighboring counties?

    Campbell County (45.6) can be compared to its 4 neighboring counties: Hamilton County, OH (60.1); Pendleton County, KY (53.7); Kenton County, KY (48.0).

  • How is the County Distress Index calculated?

    The County Distress Index uses PCA-weighted percentile scoring across five statistically derived factors: Consumer Credit Distress (47.5%), Housing Cost Burden (22.3%), Structural Poverty (13.6%), Economic Vitality (9.2%), and Legal Distress (7.4%). 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.

  • How often is the CDI updated?

    Annually, aligned to Census American Community Survey and Urban Institute Debt in America release windows — the slowest-moving source inputs. Between annual refreshes, faster-cadence indicators (BLS unemployment, QCEW wages) may drive light mid-year updates if a specific component moves meaningfully. Current data compiled April 14, 2026; next full refresh early 2027.

  • What does the Normal zone mean?

    The CDI divides counties into five zones: Healthy (below 46), Normal (46–55), Elevated (55–71), Serious (71–86), and Crisis (86 and above). Campbell County's score of 45.6 sits in the Normal zone (46–55).

  • What data sources power Campbell County's CDI score?

    Campbell County's CDI score draws on Urban Institute Debt in America (Equifax credit-bureau panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (LAUS, QCEW), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Every number on this page traces to one of these public sources.

  • What is the population of Campbell County?

    Campbell County, Kentucky has a population of approximately 93,702 (2023 Census estimate), classified as a mid county.