Guadalupe County, Texas

County Distress Index: Elevated · 52.9 | 188,454 people · 182nd most distressed in Texas
American Default Research

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

Guadalupe County, TX registers elevated household financial distress with a score of 52.9 — 1409th 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 182nd 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. Guadalupe County's primary driver is Consumer Credit Distress at 68.2 — above the national median.

Consumer Credit Distress Primary driver 68.2
Debt in Collections 70
Medical Debt 78
Auto Loan Delinquency 62
Credit Card Delinquency 63
Uninsured Rate 70
Subprime Credit Population 68
Economic Vitality 53.8
Wage-to-Rent Ratio 75
Rent-to-Income Ratio 20
Business Formation Rate 32
House Price Change (YoY) 92
Housing Cost Burden 46.3
Rent-Burdened (30%+) 61
Severely Rent-Burdened (50%+) 27
Mortgage-Burdened (30%+) 89
Homeownership Rate 26
Legal Distress 38.8
Bankruptcy Filing Rate 39
Structural Poverty 17.5
Unemployment Rate 41
Poverty Rate 8
Income vs. State Median 3
Child Poverty Rate 13
Disability Rate 31
Transfer Income Dependency 19

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Guadalupe County
Guadalupe County, TX 52.9 Elevated —
Bexar County, TX 73.2 Serious +20.3
Caldwell County, TX 70.5 Serious +17.6
Hays County, TX 61.1 Elevated +8.2
Gonzales County, TX 59.4 Elevated +6.5
Wilson County, TX 51.2 Elevated -1.7
Comal County, TX 47.4 Normal -5.5

Population Peers

CountyScoreZonevs. Guadalupe County
Clinton County, NY 52.9 Elevated +0.0
Oswego County, NY 53.0 Elevated +0.1
Indian River County, FL 53.0 Elevated +0.1
Lycoming County, PA 52.8 Elevated -0.1
Williamson County, IL 52.8 Elevated -0.1

Download Data

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

Find Help in Guadalupe 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 Guadalupe 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 Guadalupe County, Texas?

    Guadalupe County has a County Distress Index score of 52.9 out of 100, placing it in the Elevated zone. It ranks 1,409th nationally out of 3,144 counties and 182nd in Texas out of 254 counties.

  • What drives financial distress in Guadalupe County?

    The primary driver of distress in Guadalupe County is Consumer Credit Distress, where the county scores 68.2 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Guadalupe County compare to neighboring counties?

    Guadalupe County (52.9) can be compared to its 6 neighboring counties: Bexar County, TX (73.2); Caldwell County, TX (70.5); Hays County, TX (61.1).

  • 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). Guadalupe County's score of 52.9 sits in the Elevated zone (55–71).

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

    Guadalupe 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 Guadalupe County?

    Guadalupe County, Texas has a population of approximately 188,454 (2023 Census estimate), classified as a mid county.