Gibson County, Tennessee

County Distress Index: Elevated · 60.6 | 51,045 people · 40th most distressed in Tennessee
American Default Research

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Gibson County, TN registers elevated household financial distress with a score of 60.6 — 786th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Tennessee, it ranks 40th of 95 counties. Among its 6 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Gibson County's primary driver is Debt & Delinquency at 76.7 — worse than roughly 77% of U.S. counties.

Debt & Delinquency Primary driver 76.7
Debt in Collections 72
Medical Debt 60
Student Loan Delinquency 91
Auto Loan Delinquency 75
Credit Card Delinquency 66
Bankruptcy Filing Rate 96
Community Vulnerability 72.9
Uninsured Rate 63
Disability Rate 82
Income & Poverty 55.6
Poverty Rate 59
Income vs. State Median 50
Child Poverty Rate 57
Housing Cost Burden 49.3
Rent-Burdened (30%+) 59
Severely Rent-Burdened (50%+) 41
Mortgage-Burdened (30%+) 35
Homeownership Rate 80
Rent-to-Income Ratio 31
Employment & Wages 48.6
Unemployment Rate 45
Wage-to-Rent Ratio 28
Business Formation Rate 73

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

Neighbors and Peers

How Gibson County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Gibson County
Gibson County, TN 60.6 Elevated —
Carroll County, TN 67.6 Serious +7.0
Madison County, TN 67.2 Serious +6.5
Weakley County, TN 63.2 Elevated +2.6
Crockett County, TN 61.0 Elevated +0.4
Dyer County, TN 58.8 Elevated -1.8
Obion County, TN 58.5 Elevated -2.2

Population Peers

County Score Zone vs. Gibson County
Jefferson County, OH 60.6 Elevated -0.1
Pearl River County, MS 60.5 Elevated -0.1
Umatilla County, OR 60.5 Elevated -0.1
Cleveland County, NC 60.5 Elevated -0.1
Laurel County, KY 60.8 Elevated +0.1

Download Data

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

Find Help in Gibson 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 Gibson 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 Gibson County, Tennessee?

    Gibson County has a County Distress Index score of 60.6 out of 100, placing it in the Elevated zone. It ranks 786th nationally out of 3,144 counties and 40th in Tennessee out of 95 counties.

  • What drives financial distress in Gibson County?

    The primary driver of distress in Gibson County is Debt & Delinquency, where the county scores 76.7 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Gibson County compare to neighboring counties?

    Gibson County (60.6) can be compared to its 6 neighboring counties: Carroll County, TN (67.6); Madison County, TN (67.2); Weakley County, TN (63.2).

  • 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 Gibson County?

    Gibson County, Tennessee has a population of approximately 51,045 (2023 Census estimate), classified as a mid county.