Comal County, Texas

County Distress Index: Normal · 47.4 | 193,928 people · 218th most distressed in Texas
American Default Research

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Comal County, TX falls within the normal range for household financial distress at 47.4 — 1753rd nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Texas, it ranks 218th 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. Comal County's primary driver is Housing Cost Burden at 66.6 — above the national median.

Housing Cost Burden Primary driver 66.6
Rent-Burdened (30%+) 82
Severely Rent-Burdened (50%+) 62
Mortgage-Burdened (30%+) 75
Homeownership Rate 36
Legal Distress 52.0
Bankruptcy Filing Rate 52
Economic Vitality 49.3
Wage-to-Rent Ratio 78
Rent-to-Income Ratio 13
Business Formation Rate 15
House Price Change (YoY) 83
Consumer Credit Distress 46.6
Debt in Collections 40
Medical Debt 61
Auto Loan Delinquency 45
Credit Card Delinquency 41
Uninsured Rate 70
Subprime Credit Population 41
Structural Poverty 14.7
Unemployment Rate 38
Poverty Rate 4
Income vs. State Median 1
Child Poverty Rate 8
Disability Rate 35
Transfer Income Dependency 13

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Comal County
Comal County, TX 47.4 Normal —
Bexar County, TX 73.2 Serious +25.8
Hays County, TX 61.1 Elevated +13.8
Guadalupe County, TX 52.9 Elevated +5.5
Kendall County, TX 39.0 Normal -8.3
Blanco County, TX 33.9 Healthy -13.5

Population Peers

CountyScoreZonevs. Comal County
Porter County, IN 47.3 Normal -0.1
Floyd County, IN 47.3 Normal -0.1
St. Joseph County, MI 47.4 Normal +0.1
Cape May County, NJ 47.3 Normal -0.1
Pulaski County, MO 47.5 Normal +0.1

Download Data

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

Find Help in Comal 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 Comal 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 Comal County, Texas?

    Comal County has a County Distress Index score of 47.4 out of 100, placing it in the Normal zone. It ranks 1,753rd nationally out of 3,144 counties and 218th in Texas out of 254 counties.

  • What drives financial distress in Comal County?

    The primary driver of distress in Comal County is Housing Cost Burden, where the county scores 66.6 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Comal County compare to neighboring counties?

    Comal County (47.4) can be compared to its 5 neighboring counties: Bexar County, TX (73.2); Hays County, TX (61.1); Guadalupe County, TX (52.9).

  • 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). Comal County's score of 47.4 sits in the Normal zone (46–55).

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

    Comal 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 Comal County?

    Comal County, Texas has a population of approximately 193,928 (2023 Census estimate), classified as a mid county.