Crane County, Texas

County Distress Index: Normal · 45.7 | 4,574 people · 229th most distressed in Texas
American Default Research

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Crane County, TX falls within the normal range for household financial distress at 45.7 — 1862nd 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 229th of 254 counties. Among its 5 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Crane County's primary driver is Consumer Credit Distress at 78.7 — worse than roughly 79% of U.S. counties.

Consumer Credit Distress Primary driver 78.7
Debt in Collections 77
Medical Debt 80
Auto Loan Delinquency 74
Credit Card Delinquency 68
Uninsured Rate 95
Subprime Credit Population 85
Economic Vitality 27.9
Wage-to-Rent Ratio 5
Rent-to-Income Ratio 42
Business Formation Rate 45
House Price Change (YoY) 70
Structural Poverty 27.9
Unemployment Rate 6
Poverty Rate 35
Income vs. State Median 60
Child Poverty Rate 40
Disability Rate 5
Transfer Income Dependency 12
Housing Cost Burden 7.1
Rent-Burdened (30%+) 5
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 13
Homeownership Rate 13
Legal Distress 5.0
Bankruptcy Filing Rate 5

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Crane County
Crane County, TX 45.7 Normal —
Ector County, TX 72.3 Serious +26.6
Ward County, TX 62.0 Elevated +16.3
Pecos County, TX 60.6 Elevated +14.9
Upton County, TX 47.3 Normal +1.6
Crockett County, TX 45.2 Normal -0.5

Population Peers

CountyScoreZonevs. Crane County
Harrison County, MO 45.6 Normal -0.1
Baca County, CO 45.6 Normal -0.1
Trimble County, KY 45.9 Normal +0.2
Lucas County, IA 46.0 Normal +0.2
Deer Lodge County, MT 45.5 Normal -0.3

Download Data

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

Find Help in Crane 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 Crane 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 Crane County, Texas?

    Crane County has a County Distress Index score of 45.7 out of 100, placing it in the Normal zone. It ranks 1,862nd nationally out of 3,144 counties and 229th in Texas out of 254 counties.

  • What drives financial distress in Crane County?

    The primary driver of distress in Crane County is Consumer Credit Distress, where the county scores 78.7 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Crane County compare to neighboring counties?

    Crane County (45.7) can be compared to its 5 neighboring counties: Ector County, TX (72.3); Ward County, TX (62.0); Pecos County, TX (60.6).

  • 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). Crane County's score of 45.7 sits in the Normal zone (46–55).

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

    Crane 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 Crane County?

    Crane County, Texas has a population of approximately 4,574 (2023 Census estimate), classified as a tiny county.