Concho County, Texas

County Distress Index: Normal · 47.6 | 3,297 people · 215th most distressed in Texas
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Concho County, TX falls within the normal range for household financial distress at 47.6 — 1742nd 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 215th of 254 counties. It scores lower than all 6 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Concho County's primary driver is Structural Poverty at 75.2 — worse than roughly 75% of U.S. counties.

Structural Poverty Primary driver 75.2
Unemployment Rate 27
Poverty Rate 91
Income vs. State Median 72
Child Poverty Rate 84
Disability Rate 87
Transfer Income Dependency 82
Economic Vitality 59.5
Wage-to-Rent Ratio 31
Rent-to-Income Ratio 81
Business Formation Rate 95
House Price Change (YoY) 70
Consumer Credit Distress 51.5
Debt in Collections 47
Medical Debt 7
Auto Loan Delinquency 74
Credit Card Delinquency 53
Uninsured Rate 65
Subprime Credit Population 59
Legal Distress 47.5
Bankruptcy Filing Rate 47
Housing Cost Burden 17.6
Rent-Burdened (30%+) 11
Severely Rent-Burdened (50%+) 9
Mortgage-Burdened (30%+) 47
Homeownership Rate 31

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Concho County
Concho County, TX 47.6 Normal —
Tom Green County, TX 69.2 Serious +21.6
McCulloch County, TX 68.7 Serious +21.1
Menard County, TX 61.4 Elevated +13.8
Coleman County, TX 57.5 Elevated +9.9
Runnels County, TX 54.5 Elevated +6.9
Schleicher County, TX 50.8 Elevated +3.2

Population Peers

CountyScoreZonevs. Concho County
Cameron County, PA 47.6 Normal 0.0
Alfalfa County, OK 47.6 Normal +0.0
Hemphill County, TX 47.5 Normal -0.1
Mineral County, MT 47.7 Normal +0.1
Grundy County, MO 47.5 Normal -0.1

Download Data

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

Find Help in Concho 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 Concho 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 Concho County, Texas?

    Concho County has a County Distress Index score of 47.6 out of 100, placing it in the Normal zone. It ranks 1,742nd nationally out of 3,144 counties and 215th in Texas out of 254 counties.

  • What drives financial distress in Concho County?

    The primary driver of distress in Concho County is Structural Poverty, where the county scores 75.2 out of 100. This domain is measured by indicators including Unemployment Rate, Poverty Rate, Income vs. State Median.

  • How does Concho County compare to neighboring counties?

    Concho County (47.6) can be compared to its 6 neighboring counties: Tom Green County, TX (69.2); McCulloch County, TX (68.7); Menard County, TX (61.4).

  • 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). Concho County's score of 47.6 sits in the Normal zone (46–55).

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

    Concho 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 Concho County?

    Concho County, Texas has a population of approximately 3,297 (2023 Census estimate), classified as a tiny county.