Cheatham County, Tennessee

County Distress Index: Normal · 40.4 | 42,254 people · 92nd most distressed in Tennessee
American Default Research

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Cheatham County, TN falls within the normal range for household financial distress at 40.4 — 2323rd nationally out of 3144 counties. The primary driver is Community Vulnerability, where health coverage gaps and disability rates are moderately elevated. Within Tennessee, it ranks 92nd of 95 counties. Among its 5 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Cheatham County's primary driver is Community Vulnerability at 52.7 — above the national median.

Community Vulnerability Primary driver 52.7
Uninsured Rate 61
Disability Rate 44
Housing Cost Burden 52.6
Rent-Burdened (30%+) 38
Severely Rent-Burdened (50%+) 38
Mortgage-Burdened (30%+) 95
Homeownership Rate 11
Rent-to-Income Ratio 81
Employment & Wages 42.7
Unemployment Rate 10
Wage-to-Rent Ratio 91
Business Formation Rate 26
Debt & Delinquency 41.3
Debt in Collections 43
Medical Debt 51
Student Loan Delinquency 0
Auto Loan Delinquency 45
Credit Card Delinquency 44
Bankruptcy Filing Rate 65
Income & Poverty 12.7
Poverty Rate 11
Income vs. State Median 6
Child Poverty Rate 21

Scores are percentile-based: 50 = national median, higher = more distressed. The median line is shown on each bar.

Neighbors and Peers

How Cheatham County compares to its 5 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Cheatham County
Cheatham County, TN 40.4 Normal —
Montgomery County, TN 54.2 Elevated +13.8
Davidson County, TN 48.8 Normal +8.4
Robertson County, TN 47.0 Normal +6.6
Dickson County, TN 45.0 Normal +4.6
Williamson County, TN 15.9 Healthy -24.5

Population Peers

County Score Zone vs. Cheatham County
Warren County, PA 40.4 Normal -0.0
Garrett County, MD 40.5 Normal +0.1
Windham County, VT 40.3 Normal -0.1
Dickinson County, KS 40.3 Normal -0.1
Cassia County, ID 40.5 Normal +0.1

Download Data

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

Find Help in Cheatham 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 Cheatham 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

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Frequently Asked Questions

  • What is the distress score for Cheatham County, Tennessee?

    Cheatham County has a County Distress Index score of 40.4 out of 100, placing it in the Normal zone. It ranks 2,323rd nationally out of 3,144 counties and 92nd in Tennessee out of 95 counties.

  • What drives financial distress in Cheatham County?

    The primary driver of distress in Cheatham County is Community Vulnerability, where the county scores 52.7 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Cheatham County compare to neighboring counties?

    Cheatham County (40.4) can be compared to its 5 neighboring counties: Montgomery County, TN (54.2); Davidson County, TN (48.8); Robertson County, TN (47.0).

  • How is the County Distress Index calculated?

    The County Distress Index uses percentile-rank averaging across five domains: Debt & Delinquency, Income & Poverty, Housing Cost Burden, Employment & Wages, and Community Vulnerability. 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.

  • What is the population of Cheatham County?

    Cheatham County, Tennessee has a population of approximately 42,254 (2023 Census estimate), classified as a small county.