Foard County, Texas

County Distress Index: Serious · 69.5 | 1,079 people · 59th most distressed in Texas
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Foard County, TX shows significant household financial distress with a score of 69.5 — 414th 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 59th of 254 counties. Among its 6 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Foard County's primary driver is Housing Cost Burden at 84.0 — worse than roughly 84% of U.S. counties.

Housing Cost Burden Primary driver 84.0
Rent-Burdened (30%+) 71
Severely Rent-Burdened (50%+) 95
Mortgage-Burdened (30%+) 95
Homeownership Rate 81
Structural Poverty 73.4
Unemployment Rate 10
Poverty Rate 72
Income vs. State Median 87
Child Poverty Rate 82
Disability Rate 81
Transfer Income Dependency 86
Economic Vitality 70.3
Wage-to-Rent Ratio 62
Rent-to-Income Ratio 69
Business Formation Rate 93
House Price Change (YoY) 70
Consumer Credit Distress 68.4
Debt in Collections 86
Medical Debt 87
Auto Loan Delinquency 74
Credit Card Delinquency 73
Uninsured Rate 84
Subprime Credit Population 24
Legal Distress 24.8
Bankruptcy Filing Rate 25

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Foard County
Foard County, TX 69.5 Serious —
Hardeman County, TX 69.9 Serious +0.4
Wilbarger County, TX 66.7 Serious -2.8
Baylor County, TX 64.1 Elevated -5.4
Knox County, TX 51.6 Elevated -17.9
Cottle County, TX 51.6 Elevated -17.9
King County, TX 46.4 Normal -23.1

Population Peers

CountyScoreZonevs. Foard County
Treutlen County, GA 69.5 Serious 0.0
Clay County, GA 69.7 Serious +0.2
Zavala County, TX 69.7 Serious +0.2
Baker County, GA 69.3 Serious -0.3
Tillman County, OK 69.8 Serious +0.3

Download Data

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

Find Help in Foard 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 Foard 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 →

Continue Reading

Frequently Asked Questions

  • What is the distress score for Foard County, Texas?

    Foard County has a County Distress Index score of 69.5 out of 100, placing it in the Serious zone. It ranks 414th nationally out of 3,144 counties and 59th in Texas out of 254 counties.

  • What drives financial distress in Foard County?

    The primary driver of distress in Foard County is Housing Cost Burden, where the county scores 84.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Foard County compare to neighboring counties?

    Foard County (69.5) can be compared to its 6 neighboring counties: Hardeman County, TX (69.9); Wilbarger County, TX (66.7); Baylor County, TX (64.1).

  • 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 Serious 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). Foard County's score of 69.5 sits in the Serious zone (71–86).

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

    Foard 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 Foard County?

    Foard County, Texas has a population of approximately 1,079 (2023 Census estimate), classified as a tiny county.