Campbell County, Tennessee

County Distress Index: Serious · 68.5 | 40,223 people · 11th most distressed in Tennessee
American Default Research

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Campbell County, TN shows significant household financial distress with a score of 68.5 — 459th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are well above the national average. Within Tennessee, it ranks 11th of 95 counties. Among its 6 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Campbell County's primary driver is Legal Distress at 87.6 — worse than roughly 88% of U.S. counties.

Legal Distress Primary driver 87.6
Bankruptcy Filing Rate 88
Structural Poverty 80.5
Unemployment Rate 49
Poverty Rate 88
Income vs. State Median 80
Child Poverty Rate 81
Disability Rate 99
Transfer Income Dependency 82
Consumer Credit Distress 75.4
Debt in Collections 85
Medical Debt 91
Auto Loan Delinquency 62
Credit Card Delinquency 72
Uninsured Rate 63
Subprime Credit Population 74
Economic Vitality 68.1
Wage-to-Rent Ratio 57
Rent-to-Income Ratio 63
Business Formation Rate 93
House Price Change (YoY) 89
Housing Cost Burden 40.3
Rent-Burdened (30%+) 35
Severely Rent-Burdened (50%+) 32
Mortgage-Burdened (30%+) 30
Homeownership Rate 79

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Campbell County
Campbell County, TN 68.5 Serious —
McCreary County, KY 72.2 Serious +3.7
Whitley County, KY 68.2 Serious -0.3
Scott County, TN 65.9 Serious -2.6
Claiborne County, TN 64.5 Elevated -4.0
Anderson County, TN 59.9 Elevated -8.6
Union County, TN 57.0 Elevated -11.5

Population Peers

CountyScoreZonevs. Campbell County
Chambers County, AL 68.5 Serious -0.0
Dawson County, TX 68.5 Serious -0.0
Person County, NC 68.5 Serious -0.0
Pike County, OH 68.7 Serious +0.2
Okeechobee County, FL 68.3 Serious -0.2

Download Data

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

Find Help in Campbell County

Find an Attorney

Tennessee Bar Association — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Tennessee Bar Association — Lawyer Referral Service 615-383-7421

Free Legal Aid

Legal aid organizations serving Campbell County residents at no cost.

Legal Aid Society of Middle Tennessee and the Cumberlands 615-244-6610 (Nashville); 1-888-244-6610 (statewide hotline)
West Tennessee Legal Services 731-423-0616
Legal Services of South Central Tennessee 931-381-5533
Tennessee Justice Center 615-255-0331
Appalachian Regional Commission — East Tennessee Legal Aid 865-674-0260
Legal Aid of East Tennessee (865) 637-0484

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 Campbell County, Tennessee?

    Campbell County has a County Distress Index score of 68.5 out of 100, placing it in the Serious zone. It ranks 459th nationally out of 3,144 counties and 11th in Tennessee out of 95 counties.

  • What drives financial distress in Campbell County?

    The primary driver of distress in Campbell County is Legal Distress, where the county scores 87.6 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Campbell County compare to neighboring counties?

    Campbell County (68.5) can be compared to its 6 neighboring counties: McCreary County, KY (72.2); Whitley County, KY (68.2); Scott County, TN (65.9).

  • 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 Serious 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). Campbell County's score of 68.5 sits in the Serious zone (71–86).

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

    Campbell 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 Campbell County?

    Campbell County, Tennessee has a population of approximately 40,223 (2023 Census estimate), classified as a small county.