Franklin County, Tennessee

County Distress Index: Normal · 49.8 | 44,654 people · 75th most distressed in Tennessee
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Franklin County, TN falls within the normal range for household financial distress at 49.8 — 1610th nationally out of 3144 counties. The primary driver is Community Vulnerability, where uninsured and disability rates are well above the national average. Within Tennessee, it ranks 75th of 95 counties. Among its 7 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Franklin County's primary driver is Community Vulnerability at 65.1 — above the national median.

Community Vulnerability Primary driver 65.1
Uninsured Rate 53
Disability Rate 77
Debt & Delinquency 57.0
Debt in Collections 62
Medical Debt 83
Student Loan Delinquency 18
Auto Loan Delinquency 49
Credit Card Delinquency 72
Bankruptcy Filing Rate 57
Employment & Wages 51.3
Unemployment Rate 49
Wage-to-Rent Ratio 23
Business Formation Rate 82
Income & Poverty 42.4
Poverty Rate 45
Income vs. State Median 26
Child Poverty Rate 57
Housing Cost Burden 33.1
Rent-Burdened (30%+) 35
Severely Rent-Burdened (50%+) 21
Mortgage-Burdened (30%+) 49
Homeownership Rate 39
Rent-to-Income Ratio 22

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

Neighbors and Peers

How Franklin County compares to its 7 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Franklin County
Franklin County, TN 49.8 Normal —
Grundy County, TN 71.6 Serious +21.8
Marion County, TN 64.5 Elevated +14.8
Jackson County, AL 55.1 Elevated +5.3
Coffee County, TN 54.0 Elevated +4.2
Lincoln County, TN 52.1 Elevated +2.3
Moore County, TN 37.9 Normal -11.9
Madison County, AL 36.5 Normal -13.3

Population Peers

County Score Zone vs. Franklin County
Perry County, IL 49.8 Normal +0.0
Hardy County, WV 49.7 Normal -0.1
Johnson County, IL 49.7 Normal -0.1
Jefferson Davis Parish, LA 49.6 Normal -0.1
Hancock County, MS 49.6 Normal -0.2

Download Data

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

Find Help in Franklin 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 Franklin 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 Franklin County, Tennessee?

    Franklin County has a County Distress Index score of 49.8 out of 100, placing it in the Normal zone. It ranks 1,610th nationally out of 3,144 counties and 75th in Tennessee out of 95 counties.

  • What drives financial distress in Franklin County?

    The primary driver of distress in Franklin County is Community Vulnerability, where the county scores 65.1 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Franklin County compare to neighboring counties?

    Franklin County (49.8) can be compared to its 7 neighboring counties: Grundy County, TN (71.6); Marion County, TN (64.5); Jackson County, AL (55.1).

  • 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 Franklin County?

    Franklin County, Tennessee has a population of approximately 44,654 (2023 Census estimate), classified as a small county.