Grayson County, Texas

County Distress Index: Serious · 68.6 | 146,907 people · 71st most distressed in Texas
American Default Research

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Grayson County, TX shows significant household financial distress with a score of 68.6 — 454th 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 71st of 254 counties. Among its 7 neighboring counties, 6 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Grayson County's primary driver is Consumer Credit Distress at 79.0 — worse than roughly 79% of U.S. counties.

Consumer Credit Distress Primary driver 79.0
Debt in Collections 86
Medical Debt 99
Auto Loan Delinquency 61
Credit Card Delinquency 69
Uninsured Rate 90
Subprime Credit Population 79
Housing Cost Burden 72.2
Rent-Burdened (30%+) 72
Severely Rent-Burdened (50%+) 67
Mortgage-Burdened (30%+) 80
Homeownership Rate 79
Legal Distress 63.8
Bankruptcy Filing Rate 64
Economic Vitality 62.6
Wage-to-Rent Ratio 70
Rent-to-Income Ratio 69
Business Formation Rate 25
House Price Change (YoY) 80
Structural Poverty 33.3
Unemployment Rate 45
Poverty Rate 28
Income vs. State Median 22
Child Poverty Rate 34
Disability Rate 37
Transfer Income Dependency 38

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Grayson County
Grayson County, TX 68.6 Serious —
Bryan County, OK 72.8 Serious +4.2
Fannin County, TX 63.9 Elevated -4.8
Cooke County, TX 60.6 Elevated -8.0
Denton County, TX 56.5 Elevated -12.2
Love County, OK 56.2 Elevated -12.4
Marshall County, OK 53.2 Elevated -15.4
Collin County, TX 48.5 Normal -20.1

Population Peers

CountyScoreZonevs. Grayson County
Houston County, GA 68.6 Serious -0.0
Delaware County, IN 68.6 Serious -0.0
Ellis County, TX 68.6 Serious -0.0
Montgomery County, TN 68.5 Serious -0.1
St. Martin Parish, LA 68.5 Serious -0.2

Download Data

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

Find Help in Grayson 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 Grayson 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 Grayson County, Texas?

    Grayson County has a County Distress Index score of 68.6 out of 100, placing it in the Serious zone. It ranks 454th nationally out of 3,144 counties and 71st in Texas out of 254 counties.

  • What drives financial distress in Grayson County?

    The primary driver of distress in Grayson County is Consumer Credit Distress, where the county scores 79.0 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Grayson County compare to neighboring counties?

    Grayson County (68.6) can be compared to its 7 neighboring counties: Bryan County, OK (72.8); Fannin County, TX (63.9); Cooke 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 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). Grayson County's score of 68.6 sits in the Serious zone (71–86).

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

    Grayson 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 Grayson County?

    Grayson County, Texas has a population of approximately 146,907 (2023 Census estimate), classified as a mid county.