Moore County, Tennessee

County Distress Index: Normal · 37.7 | 6,748 people · 93rd most distressed in Tennessee
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Moore County, TN falls within the normal range for household financial distress at 37.7 — 2330th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filings are moderately elevated. Within Tennessee, it ranks 93rd of 95 counties. It scores lower than all 4 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Moore County's primary driver is Legal Distress at 59.3 — above the national median.

Legal Distress Primary driver 59.3
Bankruptcy Filing Rate 59
Consumer Credit Distress 40.3
Debt in Collections 37
Medical Debt 59
Auto Loan Delinquency 68
Credit Card Delinquency 15
Uninsured Rate 30
Subprime Credit Population 33
Housing Cost Burden 35.7
Rent-Burdened (30%+) 12
Severely Rent-Burdened (50%+) 55
Mortgage-Burdened (30%+) 87
Homeownership Rate 10
Structural Poverty 31.0
Unemployment Rate 30
Poverty Rate 20
Income vs. State Median 22
Child Poverty Rate 23
Disability Rate 51
Transfer Income Dependency 40
Economic Vitality 21.6
Wage-to-Rent Ratio 5
Rent-to-Income Ratio 9
Business Formation Rate 92
House Price Change (YoY) 6

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Moore County
Moore County, TN 37.7 Normal —
Bedford County, TN 63.2 Elevated +25.5
Coffee County, TN 59.8 Elevated +22.1
Lincoln County, TN 53.3 Elevated +15.6
Franklin County, TN 49.8 Normal +12.2

Population Peers

CountyScoreZonevs. Moore County
Harper County, OK 37.7 Normal +0.1
Archer County, TX 37.6 Normal -0.1
Tyler County, WV 37.6 Normal -0.1
Dawson County, MT 37.5 Normal -0.1
Sitka City and Borough, AK 37.9 Normal +0.2

Download Data

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

Find Help in Moore 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 Moore 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 Moore County, Tennessee?

    Moore County has a County Distress Index score of 37.7 out of 100, placing it in the Normal zone. It ranks 2,330th nationally out of 3,144 counties and 93rd in Tennessee out of 95 counties.

  • What drives financial distress in Moore County?

    The primary driver of distress in Moore County is Legal Distress, where the county scores 59.3 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Moore County compare to neighboring counties?

    Moore County (37.7) can be compared to its 4 neighboring counties: Bedford County, TN (63.2); Coffee County, TN (59.8); Lincoln County, TN (53.3).

  • 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). Moore County's score of 37.7 sits in the Normal zone (46–55).

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

    Moore 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 Moore County?

    Moore County, Tennessee has a population of approximately 6,748 (2023 Census estimate), classified as a tiny county.