Bosque County, Texas

County Distress Index: Elevated · 53.2 | 18,996 people · 180th most distressed in Texas
American Default Research

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Bosque County, TX registers elevated household financial distress with a score of 53.2 — 1386th 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 180th of 254 counties. Among its 7 neighboring counties, 6 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Bosque County's primary driver is Consumer Credit Distress at 75.2 — worse than roughly 75% of U.S. counties.

Consumer Credit Distress Primary driver 75.2
Debt in Collections 80
Medical Debt 88
Auto Loan Delinquency 57
Credit Card Delinquency 63
Uninsured Rate 94
Subprime Credit Population 79
Legal Distress 54.7
Bankruptcy Filing Rate 55
Structural Poverty 48.7
Unemployment Rate 49
Poverty Rate 35
Income vs. State Median 29
Child Poverty Rate 58
Disability Rate 68
Transfer Income Dependency 58
Housing Cost Burden 22.1
Rent-Burdened (30%+) 22
Severely Rent-Burdened (50%+) 11
Mortgage-Burdened (30%+) 32
Homeownership Rate 42
Economic Vitality 20.4
Wage-to-Rent Ratio 14
Rent-to-Income Ratio 16
Business Formation Rate 49
House Price Change (YoY) 7

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Bosque County
Bosque County, TX 53.2 Elevated —
McLennan County, TX 71.1 Serious +17.9
Johnson County, TX 69.9 Serious +16.7
Erath County, TX 69.2 Serious +16.0
Coryell County, TX 66.6 Serious +13.4
Hill County, TX 64.7 Elevated +11.5
Hamilton County, TX 56.2 Elevated +3.0
Somervell County, TX 32.8 Healthy -20.4

Population Peers

CountyScoreZonevs. Bosque County
McDowell County, NC 53.2 Elevated -0.0
Marshall County, OK 53.2 Elevated +0.0
Page County, VA 53.3 Elevated +0.0
Lincoln County, TN 53.3 Elevated +0.0
Vernon County, MO 53.1 Elevated -0.1

Download Data

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

Find Help in Bosque 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 Bosque 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 Bosque County, Texas?

    Bosque County has a County Distress Index score of 53.2 out of 100, placing it in the Elevated zone. It ranks 1,386th nationally out of 3,144 counties and 180th in Texas out of 254 counties.

  • What drives financial distress in Bosque County?

    The primary driver of distress in Bosque County is Consumer Credit Distress, where the county scores 75.2 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Bosque County compare to neighboring counties?

    Bosque County (53.2) can be compared to its 7 neighboring counties: McLennan County, TX (71.1); Johnson County, TX (69.9); Erath County, TX (69.2).

  • 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). Bosque County's score of 53.2 sits in the Elevated zone (55–71).

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

    Bosque 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 Bosque County?

    Bosque County, Texas has a population of approximately 18,996 (2023 Census estimate), classified as a small county.