Trimble County, Kentucky

County Distress Index: Normal · 45.9 | 8,607 people · 110th most distressed in Kentucky
American Default Research

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Trimble County, KY falls within the normal range for household financial distress at 45.9 — 1853rd 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 110th of 120 counties. Among its 5 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Trimble County's primary driver is Legal Distress at 89.8 — worse than roughly 90% of U.S. counties.

Legal Distress Primary driver 89.8
Bankruptcy Filing Rate 90
Consumer Credit Distress 59.0
Debt in Collections 81
Medical Debt 74
Auto Loan Delinquency 62
Credit Card Delinquency 9
Uninsured Rate 24
Subprime Credit Population 76
Structural Poverty 44.6
Unemployment Rate 30
Poverty Rate 47
Income vs. State Median 18
Child Poverty Rate 44
Disability Rate 72
Transfer Income Dependency 58
Economic Vitality 18.9
Wage-to-Rent Ratio 8
Rent-to-Income Ratio 21
Business Formation Rate 52
House Price Change (YoY) 5
Housing Cost Burden 15.3
Rent-Burdened (30%+) 17
Severely Rent-Burdened (50%+) 12
Mortgage-Burdened (30%+) 27
Homeownership Rate 11

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Trimble County
Trimble County, KY 45.9 Normal —
Henry County, KY 64.0 Elevated +18.1
Carroll County, KY 60.7 Elevated +14.9
Clark County, IN 59.1 Elevated +13.3
Jefferson County, IN 52.1 Elevated +6.3
Oldham County, KY 19.6 Healthy -26.3

Population Peers

CountyScoreZonevs. Trimble County
Lucas County, IA 46.0 Normal +0.1
Chautauqua County, KS 46.0 Normal +0.1
Calhoun County, AR 46.0 Normal +0.1
Buffalo County, SD 46.0 Normal +0.1
Crane County, TX 45.7 Normal -0.2

Download Data

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

Find Help in Trimble 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 Trimble 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.

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Frequently Asked Questions

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

    Trimble County has a County Distress Index score of 45.9 out of 100, placing it in the Normal zone. It ranks 1,853rd nationally out of 3,144 counties and 110th in Kentucky out of 120 counties.

  • What drives financial distress in Trimble County?

    The primary driver of distress in Trimble County is Legal Distress, where the county scores 89.8 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Trimble County compare to neighboring counties?

    Trimble County (45.9) can be compared to its 5 neighboring counties: Henry County, KY (64.0); Carroll County, KY (60.7); Clark County, IN (59.1).

  • 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 Normal 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). Trimble County's score of 45.9 sits in the Normal zone (46–55).

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

    Trimble 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 Trimble County?

    Trimble County, Kentucky has a population of approximately 8,607 (2023 Census estimate), classified as a tiny county.