Montgomery County, Tennessee
More than double the national median for bankruptcy filing rate — and 36.3× the rate of the healthiest U.S. county (Glacier County, MT — 7).
Main Findings
Montgomery County, Tennessee ranks 986th most distressed in the United States on the County Distress Index. The driver: a bankruptcy filing rate of 265 — more than double the national median of 126.
- 986th of 3,144 counties on the County Distress Index — Second-most distressed fifth, 43rd in Tennessee.
- A bankruptcy filing rate of 265 (U.S. median 126). Bankruptcy filing rate at the 87th percentile nationally.
- Subprime credit share at 34% — national median 23%, ranked at the 86th percentile.
- Rent-to-income ratio at 22% — national median 21%, ranked at the 55th percentile.
- Uninsured rate at 9% — national median 8%, ranked at the 57th percentile.
Neighbors span three CDI distress fifths. The 43-point drop to Stewart County marks where the Tennessee distress corridor ends.
"Montgomery County ranks in the second-most distressed fifth of U.S. counties. The score is above the national county midpoint, with the domain table showing the local pressure mix."
"The CDI places this county in the second-most distressed fifth nationally. The county sits above the median distress position, with the five-domain profile showing which local pressures carry the score."
The Indicators Behind Montgomery County's CDI Score
Every number traces to a public source. Montgomery County's value shown alongside TN's median and the U.S. median. Full CSV available for download.
| Indicator | Montgomery | TN median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 80 · Rank 534 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 7% | 6% | 5% | 73rd | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 8% | 6% | 5% | 82nd | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 34% | 26% | 23% | 86th | Urban Institute (2024) |
| Default & Legal — domain score 81 · Rank 380 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 31% | 28% | 23% | 76th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 265 | 216 | 126 | 87th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 52 · Rank 1,442 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 22% | 22% | 21% | 55th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 18% | 17% | 18% | 49th | Census ACS 5-yr (2023) |
| Labor — domain score 47 · Rank 1,691 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 47th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 42 · Rank 1,881 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 16% | 21% | 18% | 39th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 15% | 19% | 16% | 41st | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 13% | 16% | 14% | 42nd | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 22% | 30% | 27% | 29th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 9% | 10% | 8% | 57th | Census ACS 5-yr (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Montgomery County data — in under 60 seconds.
Draft wire copy 153-word AP-style article — use freely with attribution
CLARKSVILLE, Tenn. — Montgomery County ranks 986th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 61 out of 100 places Montgomery in the second-most distressed fifth. Among 3,144 U.S. counties scored, 985 counties rank more distressed. Within Tennessee, Montgomery ranks 43rd of 95 counties.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies default & legal as the primary driver in Montgomery. A bankruptcy filing rate of 265 — more than double the national median of 126.
"Montgomery County ranks in the second-most distressed fifth of U.S. counties. The score is above the national county midpoint, with the domain table showing the local pressure mix," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Montgomery County's CDI score, and what does it mean?
What drives Montgomery County's distress score?
How does Montgomery County compare to its neighbors?
How is the County Distress Index calculated?
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