Franklin County, Kentucky
More than double the national median for bankruptcy filing rate — and 41.1× the rate of the healthiest U.S. county (Glacier County, MT — 7).
Main Findings
Franklin County, Kentucky is more distressed than 60% of U.S. counties on the County Distress Index. The driver: a bankruptcy filing rate of 300 — more than double the national median of 126. Its highest-scoring domain is Default & Legal and its lowest is Labor.
- 97th of 120 counties in Kentucky on the County Distress Index — 60 · moderate-high county distress, more distressed than 60% of U.S. counties.
- A bankruptcy filing rate of 300 (U.S. median 126). Bankruptcy filing rate at the 91st percentile nationally. Source: Administrative Office of the U.S. Courts, F-5A (2025).
- Credit card delinquency at 7% — national median 5%, ranked at the 74th percentile. Source: Urban Institute Debt in America (2025).
- Severe rent burden (50%+) at 20% — national median 18%, ranked at the 62nd percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
- Disability rate at 17% — national median 16%, ranked at the 58th percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
Neighbors span 6 CDI score labels. The 59-point drop to Woodford County marks where the Kentucky distress corridor ends.
Franklin County has a moderate-high county distress score. The domain mix shows whether pressure is concentrated or spread across the profile.
The CDI gives this county a moderate-high county distress label. The domain table shows whether the score comes from debt, labor, safety-net pressure, or a mix. 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 Franklin County's CDI Score
Every number traces to a public source. Franklin County's value shown alongside KY's median and the U.S. median. Full CSV available for download.
| Indicator | Franklin | KY median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 63 · Rank 1,100 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 5% | 6% | 5% | 48th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 7% | 6% | 5% | 74th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 28% | 28% | 23% | 68th | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 77 · Rank 530 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 26% | 29% | 23% | 62nd | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 300 | 243 | 126 | 91st | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 61 · Rank 1,020 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 22% | 21% | 21% | 61st | U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 20% | 18% | 18% | 62nd | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 38 · Rank 2,114 of 3,144 | |||||
| Adults 25-54 not working Share of adults aged 25 to 54 without a job, leaving out residents of prisons and other institutions (service members count as working) | 18% | 27% | 21% | 31st | U.S. Census Bureau, ACS 5-year (2024) |
| Unemployment (average of monthly rates) Share of labor force unemployed, averaged over the monthly rates published for September 2025 to August 2026 (no figures published for October 2025) | 4% | 5% | 4% | 44th | U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025) |
| Safety Net & Buffer — domain score 44 · Rank 1,839 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 14% | 22% | 17% | 32nd | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 17% | 21% | 16% | 58th | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 12% | 17% | 13% | 43rd | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 5% | 6% | 8% | 24th | U.S. Census Bureau, ACS 5-year (2024) |
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 scores household financial distress from 0 to 100 for all 3,144 U.S. counties. A county's score is the share of U.S. counties it is more distressed than. 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 five domains are averaged, and that average is ranked against every other county to give the score.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), Equifax data retrieved via FRED (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), U.S. Bureau of Labor Statistics (Local Area Unemployment Statistics), Administrative Office of the U.S. Courts (F-5A bankruptcy filings), and U.S. Department of Housing and Urban Development Fair Market Rents. Data vintages range from 2024 to 2027 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Franklin County data.
Draft wire copy 127-word AP-style article — use freely with attribution
FRANKFORT, Ky. — Franklin County is more distressed than 60% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Franklin scores 60 out of 100, which means it is more distressed than 60% of U.S. counties; its score label is moderate-high county distress. Within Kentucky, Franklin ranks 97th of 120 counties.
The index, which draws on 14 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 Franklin. A bankruptcy filing rate of 300 — more than double 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 Franklin County's CDI score, and what does it mean?
What drives Franklin County's distress score?
How does Franklin County compare to its neighbors?
How is the County Distress Index calculated?
Franklin County resident looking for help? HUD counselors, legal aid, and attorney referrals →