Garza County, Texas
Above the national median for subprime credit share.
Main Findings
Garza County, Texas is more distressed than 69% of U.S. counties on the County Distress Index. The driver: 35% of residents carry subprime credit (score below 660) — above the national median of 23%. Its highest-scoring domain is Delinquency and its lowest is Debt Burden (housing basis).
- 110th of 254 counties in Texas on the County Distress Index — 69 · moderate-high county distress, more distressed than 69% of U.S. counties.
- 35% of residents carry subprime credit (score below 660) (U.S. median 23%). Subprime credit share at the 88th percentile nationally. Source: Equifax data retrieved via FRED (2025).
- Uninsured rate at 18% — national median 8%, ranked at the 94th percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
- Unemployment (average of monthly rates) at 5% — national median 4%, ranked at the 80th percentile. Source: U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025).
- Debt in collections at 34% — national median 23%, ranked at the 84th percentile. Source: Urban Institute Debt in America (2025).
Neighbors span four CDI score labels. The 55-point drop to Borden County marks where the Texas distress corridor ends.
Garza County has a moderate-high county distress score. The domain mix shows whether pressure is concentrated or spread across the profile.
The CDI gives this county a moderate-high county distress label. The domain table shows whether the score comes from debt, labor, safety-net pressure, or a mix. Its highest-scoring domain is Delinquency.
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Garza County's CDI Score
Every number traces to a public source. Garza County's value shown alongside TX's median and the U.S. median. Full CSV available for download.
| Indicator | Garza | TX median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 83 · Rank 448 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 7% | 7% | 5% | 74th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 8% | 7% | 5% | 87th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 35% | 32% | 23% | 88th | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 46 · Rank 1,736 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 34% | 35% | 23% | 84th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 44 | 78 | 126 | 8th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 37 · Rank 2,136 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 23% | 22% | 21% | 70th | U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 3% | 17% | 18% | 5th | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 69 · Rank 792 of 3,144 | |||||
| Adults 25-54 not working Share of adults aged 25 to 54 without a job, leaving out residents of prisons and other institutions (service members count as working) | 22% | 22% | 21% | 57th | U.S. Census Bureau, ACS 5-year (2024) |
| Unemployment (average of monthly rates) Share of labor force unemployed, averaged over the monthly rates published for September 2025 to August 2026 (no figures published for October 2025) | 5% | 4% | 4% | 80th | U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025) |
| Safety Net & Buffer — domain score 73 · Rank 670 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 23% | 20% | 17% | 76th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 15% | 16% | 16% | 40th | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 17% | 15% | 13% | 77th | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 18% | 17% | 8% | 94th | U.S. Census Bureau, ACS 5-year (2024) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index scores household financial distress from 0 to 100 for all 3,144 U.S. counties. A county's score is the share of U.S. counties it is more distressed than. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the five domains are averaged, and that average is ranked against every other county to give the score.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), Equifax data retrieved via FRED (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), U.S. Bureau of Labor Statistics (Local Area Unemployment Statistics), Administrative Office of the U.S. Courts (F-5A bankruptcy filings), and U.S. Department of Housing and Urban Development Fair Market Rents. Data vintages range from 2024 to 2027 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Garza County data.
Draft wire copy 126-word AP-style article — use freely with attribution
POST, Texas — Garza County is more distressed than 69% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Garza scores 69 out of 100, which means it is more distressed than 69% of U.S. counties; its score label is moderate-high county distress. Within Texas, Garza ranks 110th of 254 counties.
The index, which draws on 14 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies delinquency as the primary driver in Garza. 35% of residents carry subprime credit (score below 660) — above the national median of 23%.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Garza County's CDI score, and what does it mean?
What drives Garza County's distress score?
How does Garza County compare to its neighbors?
How is the County Distress Index calculated?
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