Floyd County, Kentucky

County Distress Index: Serious · 70.4 | 34,423 people · 15th most distressed in Kentucky
American Default Research

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Floyd County, KY shows significant household financial distress with a score of 70.4 — 375th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are well above the national average. Within Kentucky, it ranks 15th of 120 counties. Among its 5 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Floyd County's primary driver is Legal Distress at 97.3 — worse than roughly 97% of U.S. counties.

Legal Distress Primary driver 97.3
Bankruptcy Filing Rate 97
Structural Poverty 94.1
Unemployment Rate 76
Poverty Rate 97
Income vs. State Median 96
Child Poverty Rate 91
Disability Rate 99
Transfer Income Dependency 99
Consumer Credit Distress 72.0
Debt in Collections 77
Medical Debt 56
Auto Loan Delinquency 82
Credit Card Delinquency 77
Uninsured Rate 11
Subprime Credit Population 88
Economic Vitality 61.6
Wage-to-Rent Ratio 29
Rent-to-Income Ratio 88
Business Formation Rate 90
House Price Change (YoY) 91
Housing Cost Burden 47.2
Rent-Burdened (30%+) 37
Severely Rent-Burdened (50%+) 60
Mortgage-Burdened (30%+) 17
Homeownership Rate 61

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Floyd County
Floyd County, KY 70.4 Serious —
Johnson County, KY 72.5 Serious +2.1
Magoffin County, KY 71.1 Serious +0.7
Pike County, KY 70.6 Serious +0.2
Martin County, KY 68.1 Serious -2.3
Knott County, KY 63.3 Elevated -7.1

Population Peers

CountyScoreZonevs. Floyd County
Boone County, WV 70.5 Serious +0.1
Caldwell County, TX 70.5 Serious +0.1
Lawrence County, AR 70.5 Serious +0.1
Le Flore County, OK 70.5 Serious +0.1
Chester County, SC 70.5 Serious +0.2

Download Data

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

Find Help in Floyd County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Floyd County.

APPALACHIAN RESEARCH AND DEFENSE FUND OF KENTUCKY
Prestonsburg
866-277-5733 Website
Foreclosure PreventionHomeless/DisplacementPre-PurchaseRental Help

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 Floyd 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 Floyd County, Kentucky?

    Floyd County has a County Distress Index score of 70.4 out of 100, placing it in the Serious zone. It ranks 375th nationally out of 3,144 counties and 15th in Kentucky out of 120 counties.

  • What drives financial distress in Floyd County?

    The primary driver of distress in Floyd County is Legal Distress, where the county scores 97.3 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Floyd County compare to neighboring counties?

    Floyd County (70.4) can be compared to its 5 neighboring counties: Johnson County, KY (72.5); Magoffin County, KY (71.1); Pike County, KY (70.6).

  • 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 Serious 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). Floyd County's score of 70.4 sits in the Serious zone (71–86).

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

    Floyd 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 Floyd County?

    Floyd County, Kentucky has a population of approximately 34,423 (2023 Census estimate), classified as a small county.