Hopkins County, Texas

County Distress Index: Elevated · 63.5 | 38,172 people · 109th most distressed in Texas
American Default Research

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Hopkins County, TX registers elevated household financial distress with a score of 63.5 — 742nd 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 109th of 254 counties. Among its 5 neighboring counties, 3 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Hopkins County's primary driver is Consumer Credit Distress at 82.6 — worse than roughly 83% of U.S. counties.

Consumer Credit Distress Primary driver 82.6
Debt in Collections 82
Medical Debt 79
Auto Loan Delinquency 88
Credit Card Delinquency 82
Uninsured Rate 95
Subprime Credit Population 77
Housing Cost Burden 49.5
Rent-Burdened (30%+) 52
Severely Rent-Burdened (50%+) 35
Mortgage-Burdened (30%+) 59
Homeownership Rate 71
Economic Vitality 47.5
Wage-to-Rent Ratio 46
Rent-to-Income Ratio 57
Business Formation Rate 54
House Price Change (YoY) 13
Legal Distress 45.7
Bankruptcy Filing Rate 46
Structural Poverty 40.4
Unemployment Rate 19
Poverty Rate 46
Income vs. State Median 46
Child Poverty Rate 55
Disability Rate 37
Transfer Income Dependency 36

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Hopkins County
Hopkins County, TX 63.5 Elevated —
Hunt County, TX 73.6 Serious +10.1
Delta County, TX 63.8 Elevated +0.3
Wood County, TX 60.3 Elevated -3.2
Rains County, TX 54.4 Elevated -9.1
Franklin County, TX 49.1 Normal -14.4

Population Peers

CountyScoreZonevs. Hopkins County
Lee County, GA 63.5 Elevated 0.0
Allen County, KY 63.5 Elevated +0.0
Jasper County, TX 63.5 Elevated +0.0
Lincoln County, WV 63.5 Elevated -0.0
Chowan County, NC 63.6 Elevated +0.0

Download Data

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

Find Help in Hopkins 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 Hopkins 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 Hopkins County, Texas?

    Hopkins County has a County Distress Index score of 63.5 out of 100, placing it in the Elevated zone. It ranks 742nd nationally out of 3,144 counties and 109th in Texas out of 254 counties.

  • What drives financial distress in Hopkins County?

    The primary driver of distress in Hopkins County is Consumer Credit Distress, where the county scores 82.6 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Hopkins County compare to neighboring counties?

    Hopkins County (63.5) can be compared to its 5 neighboring counties: Hunt County, TX (73.6); Delta County, TX (63.8); Wood County, TX (60.3).

  • 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). Hopkins County's score of 63.5 sits in the Elevated zone (55–71).

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

    Hopkins 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 Hopkins County?

    Hopkins County, Texas has a population of approximately 38,172 (2023 Census estimate), classified as a small county.