Hunt County, Texas

County Distress Index: Serious · 73.6 | 113,347 people · 30th most distressed in Texas
American Default Research

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Hunt County, TX shows significant household financial distress with a score of 73.6 — 240th 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 30th of 254 counties. Among its 8 neighboring counties, 7 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Hunt County's primary driver is Consumer Credit Distress at 89.3 — worse than roughly 89% of U.S. counties.

Consumer Credit Distress Primary driver 89.3
Debt in Collections 93
Medical Debt 99
Auto Loan Delinquency 79
Credit Card Delinquency 90
Uninsured Rate 91
Subprime Credit Population 87
Economic Vitality 84.5
Wage-to-Rent Ratio 94
Rent-to-Income Ratio 99
Business Formation Rate 36
House Price Change (YoY) 86
Housing Cost Burden 62.0
Rent-Burdened (30%+) 67
Severely Rent-Burdened (50%+) 48
Mortgage-Burdened (30%+) 85
Homeownership Rate 67
Legal Distress 59.6
Bankruptcy Filing Rate 60
Structural Poverty 38.1
Unemployment Rate 58
Poverty Rate 43
Income vs. State Median 21
Child Poverty Rate 46
Disability Rate 46
Transfer Income Dependency 30

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Hunt County
Hunt County, TX 73.6 Serious —
Kaufman County, TX 73.8 Serious +0.1
Fannin County, TX 63.9 Elevated -9.8
Delta County, TX 63.8 Elevated -9.8
Hopkins County, TX 63.5 Elevated -10.1
Van Zandt County, TX 61.7 Elevated -11.9
Rains County, TX 54.4 Elevated -19.2
Rockwall County, TX 53.3 Elevated -20.3
Collin County, TX 48.5 Normal -25.1

Population Peers

CountyScoreZonevs. Hunt County
Henderson County, TX 73.6 Serious -0.0
Clarke County, GA 73.6 Serious -0.1
Kaufman County, TX 73.8 Serious +0.1
Harrison County, MS 73.8 Serious +0.1
Etowah County, AL 73.5 Serious -0.2

Download Data

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

Find Help in Hunt 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 Hunt 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 Hunt County, Texas?

    Hunt County has a County Distress Index score of 73.6 out of 100, placing it in the Serious zone. It ranks 240th nationally out of 3,144 counties and 30th in Texas out of 254 counties.

  • What drives financial distress in Hunt County?

    The primary driver of distress in Hunt County is Consumer Credit Distress, where the county scores 89.3 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Hunt County compare to neighboring counties?

    Hunt County (73.6) can be compared to its 8 neighboring counties: Kaufman County, TX (73.8); Fannin County, TX (63.9); Delta County, TX (63.8).

  • 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). Hunt County's score of 73.6 sits in the Serious zone (71–86).

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

    Hunt 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 Hunt County?

    Hunt County, Texas has a population of approximately 113,347 (2023 Census estimate), classified as a mid county.