Henry County, Tennessee

County Distress Index: Elevated · 59.2 | 32,554 people · 43rd most distressed in Tennessee
American Default Research

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Henry County, TN registers elevated household financial distress with a score of 59.2 — 1007th 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 43rd of 95 counties. Among its 6 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Henry County's primary driver is Legal Distress at 86.6 — worse than roughly 87% of U.S. counties.

Legal Distress Primary driver 86.6
Bankruptcy Filing Rate 87
Structural Poverty 73.9
Unemployment Rate 55
Poverty Rate 79
Income vs. State Median 73
Child Poverty Rate 83
Disability Rate 90
Transfer Income Dependency 65
Consumer Credit Distress 64.0
Debt in Collections 67
Medical Debt 76
Auto Loan Delinquency 41
Credit Card Delinquency 71
Uninsured Rate 73
Subprime Credit Population 63
Economic Vitality 50.5
Wage-to-Rent Ratio 40
Rent-to-Income Ratio 57
Business Formation Rate 86
House Price Change (YoY) 17
Housing Cost Burden 34.2
Rent-Burdened (30%+) 22
Severely Rent-Burdened (50%+) 33
Mortgage-Burdened (30%+) 66
Homeownership Rate 44

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Henry County
Henry County, TN 59.2 Elevated —
Carroll County, TN 67.4 Serious +8.2
Weakley County, TN 60.0 Elevated +0.8
Graves County, KY 58.1 Elevated -1.0
Calloway County, KY 56.5 Elevated -2.7
Benton County, TN 55.1 Elevated -4.0
Stewart County, TN 33.7 Healthy -25.5

Population Peers

CountyScoreZonevs. Henry County
Bledsoe County, TN 59.1 Elevated -0.0
Izard County, AR 59.2 Elevated +0.0
Jennings County, IN 59.2 Elevated +0.0
Rhea County, TN 59.2 Elevated +0.0
Fleming County, KY 59.2 Elevated +0.1

Download Data

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

Find Help in Henry 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 Henry 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 Henry County, Tennessee?

    Henry County has a County Distress Index score of 59.2 out of 100, placing it in the Elevated zone. It ranks 1,007th nationally out of 3,144 counties and 43rd in Tennessee out of 95 counties.

  • What drives financial distress in Henry County?

    The primary driver of distress in Henry County is Legal Distress, where the county scores 86.6 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Henry County compare to neighboring counties?

    Henry County (59.2) can be compared to its 6 neighboring counties: Carroll County, TN (67.4); Weakley County, TN (60.0); Graves County, KY (58.1).

  • 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 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). Henry County's score of 59.2 sits in the Elevated zone (55–71).

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

    Henry 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 Henry County?

    Henry County, Tennessee has a population of approximately 32,554 (2023 Census estimate), classified as a small county.