Humphreys County, Tennessee

County Distress Index: Elevated · 51.6 | 19,209 people · 75th most distressed in Tennessee
American Default Research

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Humphreys County, TN registers elevated household financial distress with a score of 51.6 — 1474th 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 75th of 95 counties. Among its 5 neighboring counties, 3 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Humphreys County's primary driver is Legal Distress at 71.6 — above the national median.

Legal Distress Primary driver 71.6
Bankruptcy Filing Rate 72
Consumer Credit Distress 62.6
Debt in Collections 56
Medical Debt 74
Auto Loan Delinquency 44
Credit Card Delinquency 77
Uninsured Rate 71
Subprime Credit Population 63
Structural Poverty 55.5
Unemployment Rate 45
Poverty Rate 59
Income vs. State Median 29
Child Poverty Rate 61
Disability Rate 70
Transfer Income Dependency 71
Housing Cost Burden 33.3
Rent-Burdened (30%+) 35
Severely Rent-Burdened (50%+) 35
Mortgage-Burdened (30%+) 41
Homeownership Rate 21
Economic Vitality 17.7
Wage-to-Rent Ratio 5
Rent-to-Income Ratio 21
Business Formation Rate 47
House Price Change (YoY) 15

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Humphreys County
Humphreys County, TN 51.6 Elevated —
Benton County, TN 55.1 Elevated +3.5
Perry County, TN 54.8 Elevated +3.2
Hickman County, TN 51.2 Elevated -0.4
Houston County, TN 50.6 Elevated -1.1
Dickson County, TN 45.9 Normal -5.8

Population Peers

CountyScoreZonevs. Humphreys County
Arenac County, MI 51.6 Elevated +0.0
Green County, KY 51.6 Elevated -0.0
Barton County, MO 51.6 Elevated -0.0
Wasco County, OR 51.6 Elevated -0.1
Patrick County, VA 51.6 Elevated -0.1

Download Data

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

Find Help in Humphreys 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 Humphreys 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 Humphreys County, Tennessee?

    Humphreys County has a County Distress Index score of 51.6 out of 100, placing it in the Elevated zone. It ranks 1,474th nationally out of 3,144 counties and 75th in Tennessee out of 95 counties.

  • What drives financial distress in Humphreys County?

    The primary driver of distress in Humphreys County is Legal Distress, where the county scores 71.6 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Humphreys County compare to neighboring counties?

    Humphreys County (51.6) can be compared to its 5 neighboring counties: Benton County, TN (55.1); Perry County, TN (54.8); Hickman County, TN (51.2).

  • 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). Humphreys County's score of 51.6 sits in the Elevated zone (55–71).

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

    Humphreys 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 Humphreys County?

    Humphreys County, Tennessee has a population of approximately 19,209 (2023 Census estimate), classified as a small county.