Madison County, Tennessee

County Distress Index: Serious · 67.2 | 99,193 people · 13th most distressed in Tennessee

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Madison County, TN shows significant household financial distress with a score of 67.2 — 365th 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 13th of 95 counties. Among its 7 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Madison County's primary driver is Debt & Delinquency at 80.3 — worse than roughly 80% of U.S. counties.

Debt & Delinquency Primary driver 80.3
Debt in Collections 76
Medical Debt 51
Student Loan Delinquency 87
Auto Loan Delinquency 92
Credit Card Delinquency 80
Bankruptcy Filing Rate 96
Housing Cost Burden 79.7
Rent-Burdened (30%+) 95
Severely Rent-Burdened (50%+) 97
Mortgage-Burdened (30%+) 38
Homeownership Rate 89
Rent-to-Income Ratio 79
Income & Poverty 68.1
Poverty Rate 80
Income vs. State Median 38
Child Poverty Rate 86
Community Vulnerability 61.5
Uninsured Rate 66
Disability Rate 57
Employment & Wages 46.3
Unemployment Rate 49
Wage-to-Rent Ratio 59
Business Formation Rate 31

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Madison County
Madison County, TN 67.2 Serious
Haywood County, TN 69.8 Serious +2.7
Carroll County, TN 67.6 Serious +0.4
Hardeman County, TN 66.7 Serious -0.5
Crockett County, TN 61.0 Elevated -6.2
Gibson County, TN 60.6 Elevated -6.5
Henderson County, TN 58.1 Elevated -9.1
Chester County, TN 52.7 Elevated -14.5

Population Peers

County Score Zone vs. Madison County
Wichita County, TX 67.2 Serious -0.0
Mendocino County, CA 67.2 Serious +0.0
Sumter County, SC 67.1 Serious -0.1
Victoria County, TX 67.0 Serious -0.2
Navarro County, TX 67.0 Serious -0.2

Download Data

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Find Help in Madison County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Madison County.

WEST TENNESSEE LEGAL SERVICES, INC.
Jackson
Foreclosure PreventionFinancial CounselingFair HousingHome Improvement/Rehab
WEST TENNESSEE LEGAL SERVICES, INCORPORATED
JACKSON
Foreclosure PreventionFinancial CounselingFair HousingHome Improvement/Rehab

Find an Attorney

Tennessee Bar Association — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Free Legal Aid

Legal aid organizations serving Madison County residents at no cost.

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