Archer County, Texas

County Distress Index: Normal · 37.6 | 9,029 people · 248th most distressed in Texas
American Default Research

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Archer County, TX falls within the normal range for household financial distress at 37.6 — 2332nd nationally out of 3144 counties. The primary driver is Economic Vitality, where employment and wage conditions show moderate stress. Within Texas, it ranks 248th of 254 counties. It scores lower than all 7 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Archer County's primary driver is Economic Vitality at 51.6 — above the national median.

Economic Vitality Primary driver 51.6
Wage-to-Rent Ratio 62
Rent-to-Income Ratio 28
Business Formation Rate 53
House Price Change (YoY) 66
Legal Distress 47.7
Bankruptcy Filing Rate 48
Consumer Credit Distress 45.2
Debt in Collections 61
Medical Debt 89
Auto Loan Delinquency 6
Credit Card Delinquency 16
Uninsured Rate 93
Subprime Credit Population 39
Structural Poverty 26.9
Unemployment Rate 27
Poverty Rate 18
Income vs. State Median 18
Child Poverty Rate 22
Disability Rate 72
Transfer Income Dependency 14
Housing Cost Burden 18.8
Rent-Burdened (30%+) 5
Severely Rent-Burdened (50%+) 26
Mortgage-Burdened (30%+) 59
Homeownership Rate 5

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Archer County
Archer County, TX 37.6 Normal —
Wichita County, TX 72.2 Serious +34.6
Wilbarger County, TX 66.7 Serious +29.1
Baylor County, TX 64.1 Elevated +26.5
Jack County, TX 59.7 Elevated +22.1
Throckmorton County, TX 57.9 Elevated +20.3
Clay County, TX 50.9 Elevated +13.3
Young County, TX 47.2 Normal +9.6

Population Peers

CountyScoreZonevs. Archer County
Tyler County, WV 37.6 Normal -0.0
Dawson County, MT 37.5 Normal -0.0
Moore County, TN 37.7 Normal +0.1
Clear Creek County, CO 37.5 Normal -0.1
Harper County, OK 37.7 Normal +0.1

Download Data

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

Find Help in Archer 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 Archer 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.

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Frequently Asked Questions

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

    Archer County has a County Distress Index score of 37.6 out of 100, placing it in the Normal zone. It ranks 2,332nd nationally out of 3,144 counties and 248th in Texas out of 254 counties.

  • What drives financial distress in Archer County?

    The primary driver of distress in Archer County is Economic Vitality, where the county scores 51.6 out of 100. This domain is measured by indicators including Wage-to-Rent Ratio, Rent-to-Income Ratio, Business Formation Rate.

  • How does Archer County compare to neighboring counties?

    Archer County (37.6) can be compared to its 7 neighboring counties: Wichita County, TX (72.2); Wilbarger County, TX (66.7); Baylor County, TX (64.1).

  • 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 Normal 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). Archer County's score of 37.6 sits in the Normal zone (46–55).

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

    Archer 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 Archer County?

    Archer County, Texas has a population of approximately 9,029 (2023 Census estimate), classified as a tiny county.