Monroe County, Kentucky
Above the national median for poverty rate — and 7.2× the rate of the healthiest U.S. county (Lincoln County, SD — 3%).
Main Findings
Monroe County, Kentucky ranks 920th most distressed in the United States on the County Distress Index. The driver: 24% of residents live below the federal poverty line — above the national median of 14%.
- 920th of 3,144 counties on the County Distress Index — Second-most distressed fifth, 74th in Kentucky.
- 24% of residents live below the federal poverty line (U.S. median 14%). Poverty rate at the 94th percentile nationally.
- Unemployment at 4% — national median 4%, ranked at the 65th percentile.
- Rent-to-income ratio at 23% — national median 21%, ranked at the 69th percentile.
- Auto loan delinquency at 7% — national median 5%, ranked at the 76th percentile.
"Monroe County ranks in the second-most distressed fifth of U.S. counties. The score is above the national county midpoint, with the domain table showing the local pressure mix."
"The CDI places this county in the second-most distressed fifth nationally. The county sits above the median distress position, with the five-domain profile showing which local pressures carry the score."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
Monroe County's uninsured rate indicator is at the 24th percentile — while every other indicator in the safety_net_buffer domain sits at or above the 78th percentile. The gap stands out against child poverty rate and disability rate. Worth a call to Urban Institute or a local credit counselor in Tompkinsville.
30% of children under 18 in Monroe County live below the federal poverty line, versus 18% 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.
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 1,336 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 7% | 6% | 5% | 76th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 5% | 6% | 5% | 34th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 26% | 28% | 23% | 59th | Urban Institute (2024) |
| 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 (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 71 | 243 | 126 | 20th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 63 · Rank 982 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 23% | 20% | 21% | 69th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 19% | 18% | 18% | 58th | Census ACS 5-yr (2023) |
| Labor — domain score 65 · Rank 1,082 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 65th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 81 · Rank 370 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 30% | 22% | 18% | 90th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 23% | 21% | 16% | 93rd | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 24% | 17% | 14% | 94th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 39% | 34% | 27% | 92nd | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 6% | 6% | 8% | 24th | Census ACS 5-yr (2023) |
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 is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. 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 CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Monroe County data — in under 60 seconds.
Draft wire copy 155-word AP-style article — use freely with attribution
TOMPKINSVILLE, Ky. — Monroe County ranks 920th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 62 out of 100 places Monroe in the second-most distressed fifth. Among 3,144 U.S. counties scored, 919 counties rank more distressed. Within Kentucky, Monroe ranks 74th of 120 counties.
The index, which draws on 16 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. 24% of residents live below the federal poverty line — above the national median of 14%.
"Monroe County ranks in the second-most distressed fifth of U.S. counties. The score is above the national county midpoint, with the domain table showing the local pressure mix," said Ross Kilburn, founder of American Default Research.
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?
Monroe County resident looking for help? HUD counselors, legal aid, and attorney referrals →