Colorado County, Texas

County Distress Index: Normal · 49.4 | 21,117 people · 204th most distressed in Texas
American Default Research

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Colorado County, TX falls within the normal range for household financial distress at 49.4 — 1613th 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 204th of 254 counties. Among its 5 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Colorado County's primary driver is Consumer Credit Distress at 68.4 — above the national median.

Consumer Credit Distress Primary driver 68.4
Debt in Collections 75
Medical Debt 90
Auto Loan Delinquency 69
Credit Card Delinquency 47
Uninsured Rate 85
Subprime Credit Population 58
Economic Vitality 51.5
Wage-to-Rent Ratio 57
Rent-to-Income Ratio 62
Business Formation Rate 45
House Price Change (YoY) 3
Structural Poverty 51.0
Unemployment Rate 38
Poverty Rate 58
Income vs. State Median 46
Child Poverty Rate 70
Disability Rate 47
Transfer Income Dependency 49
Housing Cost Burden 19.7
Rent-Burdened (30%+) 14
Severely Rent-Burdened (50%+) 28
Mortgage-Burdened (30%+) 18
Homeownership Rate 15
Legal Distress 10.5
Bankruptcy Filing Rate 11

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Colorado County
Colorado County, TX 49.4 Normal —
Wharton County, TX 64.7 Elevated +15.3
Jackson County, TX 62.0 Elevated +12.6
Austin County, TX 60.3 Elevated +11.0
Fayette County, TX 46.7 Normal -2.7
Lavaca County, TX 36.7 Normal -12.6

Population Peers

CountyScoreZonevs. Colorado County
Cleburne County, AR 49.4 Normal -0.0
Allen County, KS 49.4 Normal +0.0
White County, IN 49.4 Normal +0.0
East Feliciana Parish, LA 49.3 Normal -0.1
Greene County, PA 49.3 Normal -0.1

Download Data

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

Find Help in Colorado 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 Colorado 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 Colorado County, Texas?

    Colorado County has a County Distress Index score of 49.4 out of 100, placing it in the Normal zone. It ranks 1,613th nationally out of 3,144 counties and 204th in Texas out of 254 counties.

  • What drives financial distress in Colorado County?

    The primary driver of distress in Colorado County is Consumer Credit Distress, where the county scores 68.4 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Colorado County compare to neighboring counties?

    Colorado County (49.4) can be compared to its 5 neighboring counties: Wharton County, TX (64.7); Jackson County, TX (62.0); Austin County, TX (60.3).

  • 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 Normal 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). Colorado County's score of 49.4 sits in the Normal zone (46–55).

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

    Colorado 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 Colorado County?

    Colorado County, Texas has a population of approximately 21,117 (2023 Census estimate), classified as a small county.