Robertson County, Tennessee

County Distress Index: Elevated · 57.1 | 76,776 people · 54th most distressed in Tennessee
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Robertson County, TN registers elevated household financial distress with a score of 57.1 — 1143rd 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 54th of 95 counties. Among its 7 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Robertson County's primary driver is Legal Distress at 78.7 — worse than roughly 79% of U.S. counties.

Legal Distress Primary driver 78.7
Bankruptcy Filing Rate 79
Economic Vitality 78.6
Wage-to-Rent Ratio 94
Rent-to-Income Ratio 82
Business Formation Rate 37
House Price Change (YoY) 68
Housing Cost Burden 61.3
Rent-Burdened (30%+) 57
Severely Rent-Burdened (50%+) 67
Mortgage-Burdened (30%+) 96
Homeownership Rate 34
Consumer Credit Distress 58.6
Debt in Collections 54
Medical Debt 80
Auto Loan Delinquency 59
Credit Card Delinquency 52
Uninsured Rate 62
Subprime Credit Population 53
Structural Poverty 18.6
Unemployment Rate 16
Poverty Rate 20
Income vs. State Median 6
Child Poverty Rate 28
Disability Rate 26
Transfer Income Dependency 21

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Robertson County
Robertson County, TN 57.1 Elevated —
Montgomery County, TN 68.5 Serious +11.4
Simpson County, KY 68.0 Serious +10.9
Davidson County, TN 63.9 Elevated +6.8
Logan County, KY 55.4 Elevated -1.7
Todd County, KY 52.2 Elevated -4.9
Sumner County, TN 50.0 Elevated -7.1
Cheatham County, TN 45.0 Normal -12.1

Population Peers

CountyScoreZonevs. Robertson County
Shawnee County, KS 57.1 Elevated 0.0
Shasta County, CA 57.2 Elevated +0.1
Otero County, NM 56.9 Elevated -0.2
Allen County, OH 57.3 Elevated +0.2
Allegany County, MD 57.4 Elevated +0.3

Download Data

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

Find Help in Robertson 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 Robertson 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 Robertson County, Tennessee?

    Robertson County has a County Distress Index score of 57.1 out of 100, placing it in the Elevated zone. It ranks 1,143rd nationally out of 3,144 counties and 54th in Tennessee out of 95 counties.

  • What drives financial distress in Robertson County?

    The primary driver of distress in Robertson County is Legal Distress, where the county scores 78.7 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Robertson County compare to neighboring counties?

    Robertson County (57.1) can be compared to its 7 neighboring counties: Montgomery County, TN (68.5); Simpson County, KY (68.0); Davidson County, TN (63.9).

  • 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 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). Robertson County's score of 57.1 sits in the Elevated zone (55–71).

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

    Robertson 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 Robertson County?

    Robertson County, Tennessee has a population of approximately 76,776 (2023 Census estimate), classified as a mid county.