Andrews County, Texas

County Distress Index: Elevated · 50.3 | 18,664 people · 199th most distressed in Texas
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Andrews County, TX registers elevated household financial distress with a score of 50.3 — 1557th nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Texas, it ranks 199th of 254 counties. Its score is in the middle of its 6 neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Andrews County's primary driver is Consumer Credit Distress at 84.2 — worse than roughly 84% of U.S. counties.

Consumer Credit Distress Primary driver 84.2
Debt in Collections 93
Medical Debt 92
Auto Loan Delinquency 61
Credit Card Delinquency 77
Uninsured Rate 95
Subprime Credit Population 91
Economic Vitality 27.0
Wage-to-Rent Ratio 16
Rent-to-Income Ratio 51
Business Formation Rate 27
House Price Change (YoY) 8
Housing Cost Burden 23.1
Rent-Burdened (30%+) 7
Severely Rent-Burdened (50%+) 14
Mortgage-Burdened (30%+) 84
Homeownership Rate 40
Structural Poverty 16.5
Unemployment Rate 23
Poverty Rate 32
Income vs. State Median 9
Child Poverty Rate 26
Disability Rate 12
Transfer Income Dependency 7
Legal Distress 5.0
Bankruptcy Filing Rate 5

Scores are percentile-based: 50 = national median, higher = more distressed.

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Andrews County
Andrews County, TX 50.3 Elevated —
Ector County, TX 72.3 Serious +22.0
Lea County, NM 63.6 Elevated +13.4
Midland County, TX 62.9 Elevated +12.6
Martin County, TX 49.1 Normal -1.1
Winkler County, TX 44.0 Normal -6.2
Gaines County, TX 40.7 Normal -9.6

Population Peers

CountyScoreZonevs. Andrews County
Louisa County, VA 50.2 Elevated -0.1
Sanders County, MT 50.1 Elevated -0.1
Calaveras County, CA 50.1 Elevated -0.1
Howard County, MO 50.4 Elevated +0.1
Itawamba County, MS 50.5 Elevated +0.2

Download Data

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

Find Help in Andrews County

Find an Attorney

State Bar of Texas — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

State Bar of Texas — Lawyer Referral Service 1-800-252-9690

Free Legal Aid

Legal aid organizations serving Andrews County residents at no cost.

Texas RioGrande Legal Aid 1-888-988-9996
Lone Star Legal Aid 1-800-733-8394
Legal Aid of NorthWest Texas (888) 529-5277

Self-Help Resources

Texas State Law Library — Foreclosure Research Guide Comprehensive guide to Texas foreclosure law with links to statutes, forms, and practice guides.
TexasLawHelp.org Free legal information and self-help resources for low-income Texans.

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

Need legal help? Find a foreclosure defense attorney in Texas →

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Frequently Asked Questions

  • What is the distress score for Andrews County, Texas?

    Andrews County has a County Distress Index score of 50.3 out of 100, placing it in the Elevated zone. It ranks 1,557th nationally out of 3,144 counties and 199th in Texas out of 254 counties.

  • What drives financial distress in Andrews County?

    The primary driver of distress in Andrews County is Consumer Credit Distress, where the county scores 84.2 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Andrews County compare to neighboring counties?

    Andrews County (50.3) can be compared to its 6 neighboring counties: Ector County, TX (72.3); Lea County, NM (63.6); Midland County, TX (62.9).

  • How is the County Distress Index calculated?

    The County Distress Index uses PCA-weighted percentile scoring across five statistically derived factors: Consumer Credit Distress (47.5%), Housing Cost Burden (22.3%), Structural Poverty (13.6%), Economic Vitality (9.2%), and Legal Distress (7.4%). 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.

  • How often is the CDI updated?

    Annually, aligned to Census American Community Survey and Urban Institute Debt in America release windows — the slowest-moving source inputs. Between annual refreshes, faster-cadence indicators (BLS unemployment, QCEW wages) may drive light mid-year updates if a specific component moves meaningfully. Current data compiled April 14, 2026; next full refresh early 2027.

  • What does the Elevated zone mean?

    The CDI divides counties into five zones: Healthy (below 46), Normal (46–55), Elevated (55–71), Serious (71–86), and Crisis (86 and above). Andrews County's score of 50.3 sits in the Elevated zone (55–71).

  • What data sources power Andrews County's CDI score?

    Andrews County's CDI score draws on Urban Institute Debt in America (Equifax credit-bureau panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (LAUS, QCEW), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Every number on this page traces to one of these public sources.

  • What is the population of Andrews County?

    Andrews County, Texas has a population of approximately 18,664 (2023 Census estimate), classified as a small county.