Franklin County, Texas

County Distress Index: Normal · 49.1 | 10,735 people · 207th most distressed in Texas
American Default Research

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Franklin County, TX falls within the normal range for household financial distress at 49.1 — 1635th nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where debt and delinquency levels sit above the national average. Within Texas, it ranks 207th 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. Franklin County's primary driver is Consumer Credit Distress at 60.2 — above the national median.

Consumer Credit Distress Primary driver 60.2
Debt in Collections 65
Medical Debt 75
Auto Loan Delinquency 51
Credit Card Delinquency 26
Uninsured Rate 92
Subprime Credit Population 69
Economic Vitality 56.9
Wage-to-Rent Ratio 50
Rent-to-Income Ratio 59
Business Formation Rate 55
House Price Change (YoY) 86
Structural Poverty 47.2
Unemployment Rate 34
Poverty Rate 55
Income vs. State Median 52
Child Poverty Rate 65
Disability Rate 44
Transfer Income Dependency 35
Housing Cost Burden 32.3
Rent-Burdened (30%+) 36
Severely Rent-Burdened (50%+) 23
Mortgage-Burdened (30%+) 69
Homeownership Rate 22
Legal Distress 22.0
Bankruptcy Filing Rate 22

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Franklin County
Franklin County, TX 49.1 Normal —
Red River County, TX 74.2 Serious +25.0
Camp County, TX 66.9 Serious +17.8
Delta County, TX 63.8 Elevated +14.7
Hopkins County, TX 63.5 Elevated +14.4
Titus County, TX 62.6 Elevated +13.5
Wood County, TX 60.3 Elevated +11.2

Population Peers

CountyScoreZonevs. Franklin County
Brown County, IN 49.1 Normal +0.0
Piscataquis County, ME 49.1 Normal +0.0
Rabun County, GA 49.1 Normal -0.0
Decatur County, TN 49.1 Normal +0.0
Otsego County, MI 49.2 Normal +0.0

Download Data

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

Find Help in Franklin 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 Franklin 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 Franklin County, Texas?

    Franklin County has a County Distress Index score of 49.1 out of 100, placing it in the Normal zone. It ranks 1,635th nationally out of 3,144 counties and 207th in Texas out of 254 counties.

  • What drives financial distress in Franklin County?

    The primary driver of distress in Franklin County is Consumer Credit Distress, where the county scores 60.2 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Franklin County compare to neighboring counties?

    Franklin County (49.1) can be compared to its 6 neighboring counties: Red River County, TX (74.2); Camp County, TX (66.9); Delta County, TX (63.8).

  • 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). Franklin County's score of 49.1 sits in the Normal zone (46–55).

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

    Franklin 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 Franklin County?

    Franklin County, Texas has a population of approximately 10,735 (2023 Census estimate), classified as a small county.