Camp County, Texas

County Distress Index: Serious · 66.9 | 13,000 people · 82nd most distressed in Texas
American Default Research

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Camp County, TX shows significant household financial distress with a score of 66.9 — 556th 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 82nd of 254 counties. Among its 5 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Camp County's primary driver is Consumer Credit Distress at 81.2 — worse than roughly 81% of U.S. counties.

Consumer Credit Distress Primary driver 81.2
Debt in Collections 79
Medical Debt 67
Auto Loan Delinquency 87
Credit Card Delinquency 78
Uninsured Rate 95
Subprime Credit Population 84
Structural Poverty 73.8
Unemployment Rate 69
Poverty Rate 76
Income vs. State Median 76
Child Poverty Rate 83
Disability Rate 76
Transfer Income Dependency 65
Housing Cost Burden 56.2
Rent-Burdened (30%+) 94
Severely Rent-Burdened (50%+) 35
Mortgage-Burdened (30%+) 26
Homeownership Rate 38
Economic Vitality 46.8
Wage-to-Rent Ratio 46
Rent-to-Income Ratio 56
Business Formation Rate 49
House Price Change (YoY) 17
Legal Distress 18.9
Bankruptcy Filing Rate 19

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Camp County
Camp County, TX 66.9 Serious —
Morris County, TX 70.2 Serious +3.3
Upshur County, TX 65.0 Serious -1.8
Titus County, TX 62.6 Elevated -4.2
Wood County, TX 60.3 Elevated -6.5
Franklin County, TX 49.1 Normal -17.8

Population Peers

CountyScoreZonevs. Camp County
Rowan County, KY 66.8 Serious -0.0
Ouachita County, AR 66.8 Serious -0.1
Marion County, SC 66.9 Serious +0.1
Brantley County, GA 67.0 Serious +0.1
Calhoun County, SC 66.8 Serious -0.1

Download Data

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

Find Help in Camp 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 Camp 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 Camp County, Texas?

    Camp County has a County Distress Index score of 66.9 out of 100, placing it in the Serious zone. It ranks 556th nationally out of 3,144 counties and 82nd in Texas out of 254 counties.

  • What drives financial distress in Camp County?

    The primary driver of distress in Camp County is Consumer Credit Distress, where the county scores 81.2 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Camp County compare to neighboring counties?

    Camp County (66.9) can be compared to its 5 neighboring counties: Morris County, TX (70.2); Upshur County, TX (65.0); Titus County, TX (62.6).

  • 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 Serious 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). Camp County's score of 66.9 sits in the Serious zone (71–86).

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

    Camp 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 Camp County?

    Camp County, Texas has a population of approximately 13,000 (2023 Census estimate), classified as a small county.