Coleman County, Texas

County Distress Index: Elevated · 57.5 | 7,842 people · 154th most distressed in Texas
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Coleman County, TX registers elevated household financial distress with a score of 57.5 — 1121st nationally out of 3144 counties. The primary driver is Structural Poverty, where poverty rates are high, transfer income dependency is elevated, and household incomes lag well behind state and national medians. Within Texas, it ranks 154th 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. Coleman County's primary driver is Structural Poverty at 78.2 — worse than roughly 78% of U.S. counties.

Structural Poverty Primary driver 78.2
Unemployment Rate 27
Poverty Rate 77
Income vs. State Median 90
Child Poverty Rate 84
Disability Rate 90
Transfer Income Dependency 85
Consumer Credit Distress 73.4
Debt in Collections 71
Medical Debt 76
Auto Loan Delinquency 57
Credit Card Delinquency 71
Uninsured Rate 95
Subprime Credit Population 82
Economic Vitality 72.0
Wage-to-Rent Ratio 71
Rent-to-Income Ratio 84
Business Formation Rate 55
House Price Change (YoY) 70
Legal Distress 23.3
Bankruptcy Filing Rate 23
Housing Cost Burden 16.2
Rent-Burdened (30%+) 7
Severely Rent-Burdened (50%+) 20
Mortgage-Burdened (30%+) 8
Homeownership Rate 36

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Coleman County
Coleman County, TX 57.5 Elevated —
Brown County, TX 75.5 Serious +18.0
Taylor County, TX 69.4 Serious +11.9
McCulloch County, TX 68.7 Serious +11.2
Callahan County, TX 56.0 Elevated -1.5
Runnels County, TX 54.5 Elevated -3.0
Concho County, TX 47.6 Normal -9.9

Population Peers

CountyScoreZonevs. Coleman County
Bent County, CO 57.5 Elevated -0.0
Schley County, GA 57.6 Elevated +0.1
Alexander County, IL 57.6 Elevated +0.1
Jefferson County, OK 57.7 Elevated +0.2
Montgomery County, AR 57.8 Elevated +0.3

Download Data

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

Find Help in Coleman 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 Coleman 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 Coleman County, Texas?

    Coleman County has a County Distress Index score of 57.5 out of 100, placing it in the Elevated zone. It ranks 1,121st nationally out of 3,144 counties and 154th in Texas out of 254 counties.

  • What drives financial distress in Coleman County?

    The primary driver of distress in Coleman County is Structural Poverty, where the county scores 78.2 out of 100. This domain is measured by indicators including Unemployment Rate, Poverty Rate, Income vs. State Median.

  • How does Coleman County compare to neighboring counties?

    Coleman County (57.5) can be compared to its 6 neighboring counties: Brown County, TX (75.5); Taylor County, TX (69.4); McCulloch County, TX (68.7).

  • 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). Coleman County's score of 57.5 sits in the Elevated zone (55–71).

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

    Coleman 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 Coleman County?

    Coleman County, Texas has a population of approximately 7,842 (2023 Census estimate), classified as a tiny county.