Fannin County, Texas

County Distress Index: Elevated · 63.9 | 37,571 people · 105th most distressed in Texas
American Default Research

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Fannin County, TX registers elevated household financial distress with a score of 63.9 — 715th 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 105th of 254 counties. Among its 6 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Fannin County's primary driver is Consumer Credit Distress at 81.3 — worse than roughly 81% of U.S. counties.

Consumer Credit Distress Primary driver 81.3
Debt in Collections 91
Medical Debt 99
Auto Loan Delinquency 53
Credit Card Delinquency 90
Uninsured Rate 88
Subprime Credit Population 74
Legal Distress 54.2
Bankruptcy Filing Rate 54
Housing Cost Burden 53.5
Rent-Burdened (30%+) 30
Severely Rent-Burdened (50%+) 73
Mortgage-Burdened (30%+) 78
Homeownership Rate 44
Structural Poverty 49.3
Unemployment Rate 64
Poverty Rate 56
Income vs. State Median 28
Child Poverty Rate 57
Disability Rate 38
Transfer Income Dependency 60
Economic Vitality 28.0
Wage-to-Rent Ratio 16
Rent-to-Income Ratio 18
Business Formation Rate 50
House Price Change (YoY) 81

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Fannin County
Fannin County, TX 63.9 Elevated —
Hunt County, TX 73.6 Serious +9.8
Bryan County, OK 72.8 Serious +9.0
Lamar County, TX 71.1 Serious +7.3
Grayson County, TX 68.6 Serious +4.8
Delta County, TX 63.8 Elevated -0.0
Collin County, TX 48.5 Normal -15.4

Population Peers

CountyScoreZonevs. Fannin County
Levy County, FL 63.9 Elevated +0.1
Jeff Davis County, GA 63.9 Elevated +0.1
Crockett County, TN 63.8 Elevated -0.1
Sabine Parish, LA 63.9 Elevated +0.1
Newton County, MS 64.0 Elevated +0.1

Download Data

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

Find Help in Fannin 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 Fannin 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 Fannin County, Texas?

    Fannin County has a County Distress Index score of 63.9 out of 100, placing it in the Elevated zone. It ranks 715th nationally out of 3,144 counties and 105th in Texas out of 254 counties.

  • What drives financial distress in Fannin County?

    The primary driver of distress in Fannin County is Consumer Credit Distress, where the county scores 81.3 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Fannin County compare to neighboring counties?

    Fannin County (63.9) can be compared to its 6 neighboring counties: Hunt County, TX (73.6); Bryan County, OK (72.8); Lamar County, TX (71.1).

  • 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). Fannin County's score of 63.9 sits in the Elevated zone (55–71).

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

    Fannin 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 Fannin County?

    Fannin County, Texas has a population of approximately 37,571 (2023 Census estimate), classified as a small county.