ALICE IS 42% OF US.
Co-workers. Neighbors. Caregivers. Service Providers. Working hard every day - and still falling short.
And they can't wait. At United Way of the Ocoee Region, we're turning data into action for the families who keep our community running.
Who is ALICE?
ALICE is an acronym for Asset Limited, Income Constrained, Employed.
The ALICE population is made up of working families earning just above the poverty level, but still living paycheck to paycheck, often one crisis or unexpected circumstance away from a spiral into poverty. These struggling households are forced to make impossible choices everyday between the basics of housing, childcare, food, transportation, healthcare and more. ALICE households are a target population for the United Way’s funding and internal programming. With your support, we can help these families reach stability.
Local ALICE Statistics
While conditions have improved for some families, many continue to struggle, especially as wages fail to keep pace with the rising cost of household essentials, such as housing, child care, food, transportation, and health care. Households below the ALICE threshold, in addition to those in poverty, often can't afford the essentials.
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ALICE families collectively represent 42% of the Ocoee Region's population ... essentially 2 in 5 local households at at ALICE level or below. This number is more concentrated in certain areas and populations. For example, an average of 78.5% of single female-headed households in the Ocoee Region are ALICE or below.
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Single-parent households face disproportionate financial hardship. More than 3 in 4 (77%) single-parent households in Bradley County live below the ALICE Threshold, meaning they are either living in poverty or are working but still unable to afford basic household expenses.
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Bradley County families making the median household income ($61,107) spent 40% of their monthly income last year on childcare costs alone, a significant 13% increase from the previous year.
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Young adults and older adults are among the most financially vulnerable. Across the Ocoee Region, nearly 72% of households headed by someone under age 25 and 50% of households headed by someone age 65 or older fall below the ALICE Threshold.
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Among the 10 largest industry sectors (by total workers) in Tennessee, financial hardship was highest in Accommodation and Food Services, with 40% of workers living in households below the ALICE threshold. By occupation, rates of financial hardship were as high as 51% for Cooks and 50% for Cashiers, two of the most common occupations in the state.
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Survival budget for a family of four in Bradley County is $83,652, an increase of nearly $19,000 in just a three year period. A Household Stability Budget, which includes long-term financial security measures such as a 10% savings category, rises to $122,988 per year.
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The median household income in the Ocoee Region is $67,488, a gap of over $16,000 for a family of four to cover the cost of their most basic monthly expenses.
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ALICE families commonly lack access to affordable housing, quality childcare and other resources and are often severely rent burdened, spending a third or more of their income on rent alone.
Working Families in the Ocoee Region
Understanding the needs of ALICE families is only the first step. Creating real, lasting stability requires a united community working together to support families as they move toward financial security. United Way of the Ocoee Region serves as both a safety net and a pathway forward, helping ALICE households meet immediate needs while building long-term stability.
We do this by investing in strategically-aligned local nonprofit programs that provide essential services and resources across our region. We also go a step further by operating strategic internal programs designed to fill critical gaps in local services where needs are greatest.
United Way of the Ocoee Region’s Stable Families program is leading the effort to help local households achieve greater financial stability by using data-informed strategies, personalized support, and community partnerships to address the barriers that prevent families from thriving.
Through Stable Families, a team of dedicated navigators works alongside local families to provide personalized guidance, connect them with critical resources, and help remove barriers that stand in the way of long-term stability. From emergency financial assistance and resource navigation to support accessing housing, childcare, health care, and other essential services, the Stable Families program takes a comprehensive approach to helping households move beyond immediate challenges and build a more secure future. By combining data-driven strategies with compassionate, individualized support, United Way is creating pathways that strengthen families and, ultimately, the entire Ocoee Region community.
Together, these efforts reflect our commitment to standing with ALICE families, offering coordinated support, strengthening community systems, and creating opportunities for lasting change.

New ALICE Report Shows Improvement - Stable Families Program Offers Path to Stability (07/16/26)
The State of ALICE in Tennessee
Bradley County ALICE Data (select "County Reports" and drop down to Bradley)
Polk County ALICE Data (select "County Reports" and drop down to Polk)
ALICE in the Crosscurrents (2024 Update)
The State of ALICE in the United States (2026 Report)
The ALICE Survival Budget represents a modest, conservative estimate of the cost of basic needs. The following is an example of the true cost of living in Bradley County for a typical ALICE household.
Police Officer + Teacher + 2 Children in Childcare
EXPENSES:
Housing - $2,000
Childcare - $2,000*
Food - $1,500
Transportation - $1,200
Healthcare/Hygiene - $900
Technology - $250
Taxes - $550
TOTAL MONTHLY EXPENSES = $8,100
INCOME:
Annual Salary 1 - $48,000
Annual Salary 2 - $50,000
Combined = $47.12 per hour
TOTAL MONTHLY INCOME = $8,167
KEY CHALLENGES
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Housing expense assumes a rental, so payments are not building equity
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Assumes no debt payments other than transportation (i.e., student loans, credit cards, etc.)
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Balancing each month on a tight budget, with little to no margin
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No cushion for miscellaneous, unexpected or emergency expenses
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No opportunities to build savings for the future
*Childcare expenses alone force some families to consider reducing to a single income to save costs, effectively reducing our region’s available workforce.
