Monroe County, Kentucky
Above the national median for disability rate — and 12.5× the rate of the healthiest U.S. county (San Juan County, CO — 2%).
Main Findings
Monroe County, Kentucky is more distressed than 62% of U.S. counties on the County Distress Index. The driver: 22% of residents report a disability — above the national median of 16%. Its highest-scoring domain is Safety Net & Buffer and its lowest is Default & Legal.
- 91st of 120 counties in Kentucky on the County Distress Index — 62 · moderate-high county distress, more distressed than 62% of U.S. counties.
- 22% of residents report a disability (U.S. median 16%). Disability rate at the 90th percentile nationally. Source: U.S. Census Bureau, ACS 5-year (2024).
- Unemployment (average of monthly rates) at 5% — national median 4%, ranked at the 69th percentile. Source: U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025).
- Auto loan delinquency at 7% — national median 5%, ranked at the 76th percentile. Source: Urban Institute Debt in America (2025).
- Rent-to-income ratio at 22% — national median 21%, ranked at the 66th percentile. Source: U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024).
Neighbors span three CDI score labels. The 17-point drop to Macon County, TN marks a cross-border distress gradient.
Monroe 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 Safety Net & Buffer.
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, ACS 5-year (2024), Monroe County's uninsured rate indicator is at the 32nd percentile. American Default Research's CDI places every other indicator in the Safety Net & Buffer domain at or above the 84th percentile. The gap stands out against disability rate and median household income. Worth a call to the source agency or a local subject-matter contact in Tompkinsville.
According to U.S. Census Bureau, SAIPE (2024), 26% of children under 18 in Monroe County live below the federal poverty line, versus 17% nationally. When a county's adult poverty rate is accompanied by a materially higher child poverty rate, the gap typically reflects single-parent household concentration or limited access to workforce-participation supports (childcare, transportation). Worth a call to the local school district's free-and-reduced-lunch coordinator or a regional United Way affiliate.
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 Monroe County's CDI Score
Every number traces to a public source. Monroe County's value shown alongside KY's median and the U.S. median. Full CSV available for download.
| Indicator | Monroe | KY median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 56 · Rank 1,335 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 7% | 6% | 5% | 76th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 5% | 6% | 5% | 34th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 26% | 28% | 23% | 59th | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 42 · Rank 1,899 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 27% | 29% | 23% | 65th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 71 | 243 | 126 | 20th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 50 · Rank 1,544 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 22% | 21% | 21% | 66th | 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 | 15% | 18% | 18% | 33rd | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 63 · Rank 1,025 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) | 22% | 27% | 21% | 58th | 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) | 5% | 5% | 4% | 69th | 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 77 · Rank 491 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 26% | 22% | 17% | 84th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 22% | 21% | 16% | 90th | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 20% | 17% | 13% | 87th | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 6% | 6% | 8% | 32nd | 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 Monroe County data.
Draft wire copy 126-word AP-style article — use freely with attribution
TOMPKINSVILLE, Ky. — Monroe County is more distressed than 62% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Monroe scores 62 out of 100, which means it is more distressed than 62% of U.S. counties; its score label is moderate-high county distress. Within Kentucky, Monroe ranks 91st 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 safety net & buffer as the primary driver in Monroe. 22% of residents report a disability — above the national median of 16%.
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 Monroe County's CDI score, and what does it mean?
What drives Monroe County's distress score?
How does Monroe County compare to its neighbors?
How is the County Distress Index calculated?
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