Collingsworth County, Texas

County Distress Index: Elevated · 53.4 | 2,563 people · 178th most distressed in Texas
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Collingsworth County, TX registers elevated household financial distress with a score of 53.4 — 1375th 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 178th 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. Collingsworth County's primary driver is Consumer Credit Distress at 75.0 — worse than roughly 75% of U.S. counties.

Consumer Credit Distress Primary driver 75.0
Debt in Collections 74
Medical Debt 72
Auto Loan Delinquency 74
Credit Card Delinquency 94
Uninsured Rate 95
Subprime Credit Population 56
Structural Poverty 69.2
Unemployment Rate 13
Poverty Rate 82
Income vs. State Median 90
Child Poverty Rate 93
Disability Rate 44
Transfer Income Dependency 74
Economic Vitality 55.8
Wage-to-Rent Ratio 35
Rent-to-Income Ratio 73
Business Formation Rate 75
House Price Change (YoY) 70
Housing Cost Burden 12.6
Rent-Burdened (30%+) 5
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 11
Homeownership Rate 49
Legal Distress 5.5
Bankruptcy Filing Rate 6

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Collingsworth County
Collingsworth County, TX 53.4 Elevated —
Harmon County, OK 65.5 Serious +12.1
Gray County, TX 63.2 Elevated +9.8
Beckham County, OK 61.0 Elevated +7.6
Donley County, TX 59.6 Elevated +6.2
Childress County, TX 56.1 Elevated +2.7
Wheeler County, TX 54.9 Elevated +1.5
Hall County, TX 49.1 Normal -4.3

Population Peers

CountyScoreZonevs. Collingsworth County
Grand County, UT 53.3 Elevated -0.1
Quay County, NM 53.6 Elevated +0.1
West Carroll Parish, LA 53.7 Elevated +0.3
Clark County, MO 53.1 Elevated -0.3
Guadalupe County, NM 53.1 Elevated -0.4

Download Data

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

Find Help in Collingsworth 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 Collingsworth 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 Collingsworth County, Texas?

    Collingsworth County has a County Distress Index score of 53.4 out of 100, placing it in the Elevated zone. It ranks 1,375th nationally out of 3,144 counties and 178th in Texas out of 254 counties.

  • What drives financial distress in Collingsworth County?

    The primary driver of distress in Collingsworth County is Consumer Credit Distress, where the county scores 75.0 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Collingsworth County compare to neighboring counties?

    Collingsworth County (53.4) can be compared to its 7 neighboring counties: Harmon County, OK (65.5); Gray County, TX (63.2); Beckham County, OK (61.0).

  • 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). Collingsworth County's score of 53.4 sits in the Elevated zone (55–71).

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

    Collingsworth 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 Collingsworth County?

    Collingsworth County, Texas has a population of approximately 2,563 (2023 Census estimate), classified as a tiny county.