Hall County, Texas

County Distress Index: Normal · 49.1 | 2,818 people · 205th most distressed in Texas
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Hall County, TX falls within the normal range for household financial distress at 49.1 — 1630th nationally out of 3144 counties. The primary driver is Structural Poverty, where poverty rates are high, transfer income dependency is elevated, and household incomes lag well behind state and national medians. Within Texas, it ranks 205th 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. Hall County's primary driver is Structural Poverty at 87.6 — worse than roughly 88% of U.S. counties.

Structural Poverty Primary driver 87.6
Unemployment Rate 55
Poverty Rate 91
Income vs. State Median 95
Child Poverty Rate 95
Disability Rate 84
Transfer Income Dependency 94
Economic Vitality 77.2
Wage-to-Rent Ratio 82
Rent-to-Income Ratio 93
Business Formation Rate 44
House Price Change (YoY) 70
Consumer Credit Distress 52.8
Debt in Collections 55
Medical Debt 47
Auto Loan Delinquency 74
Credit Card Delinquency 5
Uninsured Rate 95
Subprime Credit Population 59
Legal Distress 19.9
Bankruptcy Filing Rate 20
Housing Cost Burden 15.8
Rent-Burdened (30%+) 5
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 44
Homeownership Rate 47

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Hall County
Hall County, TX 49.1 Normal —
Donley County, TX 59.6 Elevated +10.5
Briscoe County, TX 58.4 Elevated +9.3
Childress County, TX 56.1 Elevated +7.0
Motley County, TX 56.1 Elevated +6.9
Collingsworth County, TX 53.4 Elevated +4.3
Cottle County, TX 51.6 Elevated +2.4

Population Peers

CountyScoreZonevs. Hall County
Martin County, TX 49.1 Normal 0.0
Reynolds County, MO 49.0 Normal -0.1
Shackelford County, TX 48.9 Normal -0.2
Greenwood County, KS 48.8 Normal -0.4
Lander County, NV 49.5 Normal +0.4

Download Data

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

Find Help in Hall 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 Hall 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.

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Frequently Asked Questions

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

    Hall County has a County Distress Index score of 49.1 out of 100, placing it in the Normal zone. It ranks 1,630th nationally out of 3,144 counties and 205th in Texas out of 254 counties.

  • What drives financial distress in Hall County?

    The primary driver of distress in Hall County is Structural Poverty, where the county scores 87.6 out of 100. This domain is measured by indicators including Unemployment Rate, Poverty Rate, Income vs. State Median.

  • How does Hall County compare to neighboring counties?

    Hall County (49.1) can be compared to its 6 neighboring counties: Donley County, TX (59.6); Briscoe County, TX (58.4); Childress County, TX (56.1).

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

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

    Hall 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 Hall County?

    Hall County, Texas has a population of approximately 2,818 (2023 Census estimate), classified as a tiny county.