Bell County, Texas
Above the national median for subprime credit share.
Main Findings
Bell County, Texas is more distressed than 80% of U.S. counties on the County Distress Index. The driver: 38% of residents carry subprime credit (score below 660) — above the national median of 23%. Its highest-scoring domain is Delinquency and its lowest is Debt Burden (housing basis).
- 64th of 254 counties in Texas on the County Distress Index — 80 · very high county distress, more distressed than 80% of U.S. counties.
- 38% of residents carry subprime credit (score below 660) (U.S. median 23%). Subprime credit share at the 93rd percentile nationally. Source: Equifax data retrieved via FRED (2025).
- Debt in collections at 36% — national median 23%, ranked at the 89th percentile. Source: Urban Institute Debt in America (2025).
- Unemployment (average of monthly rates) at 5% — national median 4%, ranked at the 79th percentile. Source: U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025).
- Uninsured rate at 14% — national median 8%, ranked at the 86th percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
Unemployment is 5%, near the national median of 4%, while subprime credit share runs at the 93rd percentile. Jobs exist; wages don't close the gap.
Neighbors span 6 CDI score labels. The 54-point drop to Williamson County marks where the Texas distress corridor ends.
Bell County has a very high county distress score. The domain table shows which local pressure carries the composite.
The CDI gives this county a very high county distress label. The five-domain profile shows which local pressures carry the score. Its highest-scoring domain is Delinquency.
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Bell County's CDI Score
Every number traces to a public source. Bell County's value shown alongside TX's median and the U.S. median. Full CSV available for download.
| Indicator | Bell | TX median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 86 · Rank 356 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 8% | 7% | 5% | 81st | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 8% | 7% | 5% | 83rd | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 38% | 32% | 23% | 93rd | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 71 · Rank 709 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 36% | 35% | 23% | 89th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 133 | 78 | 126 | 53rd | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 57 · Rank 1,188 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 20% | 22% | 21% | 40th | U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 22% | 17% | 18% | 74th | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 70 · Rank 765 of 3,144 | |||||
| Adults 25-54 not working Share of adults aged 25 to 54 without a job, leaving out residents of prisons and other institutions (service members count as working) | 22% | 22% | 21% | 60th | U.S. Census Bureau, ACS 5-year (2024) |
| Unemployment (average of monthly rates) Share of labor force unemployed, averaged over the monthly rates published for September 2025 to August 2026 (no figures published for October 2025) | 5% | 4% | 4% | 79th | U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025) |
| Safety Net & Buffer — domain score 57 · Rank 1,280 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 19% | 20% | 17% | 60th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 15% | 16% | 16% | 43rd | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 14% | 15% | 13% | 55th | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 14% | 17% | 8% | 86th | U.S. Census Bureau, ACS 5-year (2024) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index scores household financial distress from 0 to 100 for all 3,144 U.S. counties. A county's score is the share of U.S. counties it is more distressed than. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the five domains are averaged, and that average is ranked against every other county to give the score.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), Equifax data retrieved via FRED (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), U.S. Bureau of Labor Statistics (Local Area Unemployment Statistics), Administrative Office of the U.S. Courts (F-5A bankruptcy filings), and U.S. Department of Housing and Urban Development Fair Market Rents. Data vintages range from 2024 to 2027 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Bell County data.
Draft wire copy 127-word AP-style article — use freely with attribution
BELTON, Texas — Bell County is more distressed than 80% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Bell scores 80 out of 100, which means it is more distressed than 80% of U.S. counties; its score label is very high county distress. Within Texas, Bell ranks 64th of 254 counties.
The index, which draws on 14 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies delinquency as the primary driver in Bell. 38% of residents carry subprime credit (score below 660) — above the national median of 23%.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Bell County's CDI score, and what does it mean?
What drives Bell County's distress score?
How does Bell County compare to its neighbors?
How is the County Distress Index calculated?
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