Todd County, Kentucky

County Distress Index: Elevated · 52.2 | 12,494 people · 97th most distressed in Kentucky
American Default Research

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Todd County, KY registers elevated household financial distress with a score of 52.2 — 1437th 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 97th of 120 counties. It scores lower than all 5 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Todd County's primary driver is Legal Distress at 83.6 — worse than roughly 84% of U.S. counties.

Legal Distress Primary driver 83.6
Bankruptcy Filing Rate 84
Consumer Credit Distress 66.6
Debt in Collections 70
Medical Debt 71
Auto Loan Delinquency 42
Credit Card Delinquency 65
Uninsured Rate 95
Subprime Credit Population 72
Structural Poverty 51.8
Unemployment Rate 19
Poverty Rate 69
Income vs. State Median 42
Child Poverty Rate 72
Disability Rate 59
Transfer Income Dependency 50
Economic Vitality 44.5
Wage-to-Rent Ratio 31
Rent-to-Income Ratio 31
Business Formation Rate 76
House Price Change (YoY) 94
Housing Cost Burden 14.5
Rent-Burdened (30%+) 6
Severely Rent-Burdened (50%+) 10
Mortgage-Burdened (30%+) 6
Homeownership Rate 52

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Todd County
Todd County, KY 52.2 Elevated —
Christian County, KY 77.9 Serious +25.7
Montgomery County, TN 68.5 Serious +16.3
Muhlenberg County, KY 57.4 Elevated +5.2
Robertson County, TN 57.1 Elevated +4.9
Logan County, KY 55.4 Elevated +3.2

Population Peers

CountyScoreZonevs. Todd County
Fremont County, WY 52.2 Elevated 0.0
Roscommon County, MI 52.2 Elevated -0.0
Wexford County, MI 52.2 Elevated -0.0
Crawford County, IN 52.3 Elevated +0.1
Clay County, NC 52.1 Elevated -0.1

Download Data

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

Find Help in Todd County

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 Todd 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

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Frequently Asked Questions

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

    Todd County has a County Distress Index score of 52.2 out of 100, placing it in the Elevated zone. It ranks 1,437th nationally out of 3,144 counties and 97th in Kentucky out of 120 counties.

  • What drives financial distress in Todd County?

    The primary driver of distress in Todd County is Legal Distress, where the county scores 83.6 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Todd County compare to neighboring counties?

    Todd County (52.2) can be compared to its 5 neighboring counties: Christian County, KY (77.9); Montgomery County, TN (68.5); Muhlenberg County, KY (57.4).

  • 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 Elevated 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). Todd County's score of 52.2 sits in the Elevated zone (55–71).

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

    Todd 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 Todd County?

    Todd County, Kentucky has a population of approximately 12,494 (2023 Census estimate), classified as a small county.