Hutchinson County, Texas

County Distress Index: Elevated · 57.6 | 20,033 people · 153rd most distressed in Texas
American Default Research

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Hutchinson County, TX registers elevated household financial distress with a score of 57.6 — 1109th 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 153rd of 254 counties. It scores higher than all 5 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Hutchinson County's primary driver is Consumer Credit Distress at 85.2 — worse than roughly 85% of U.S. counties.

Consumer Credit Distress Primary driver 85.2
Debt in Collections 95
Medical Debt 99
Auto Loan Delinquency 68
Credit Card Delinquency 85
Uninsured Rate 87
Subprime Credit Population 80
Structural Poverty 49.3
Unemployment Rate 64
Poverty Rate 56
Income vs. State Median 33
Child Poverty Rate 45
Disability Rate 63
Transfer Income Dependency 46
Housing Cost Burden 32.6
Rent-Burdened (30%+) 32
Severely Rent-Burdened (50%+) 42
Mortgage-Burdened (30%+) 25
Homeownership Rate 15
Economic Vitality 22.4
Wage-to-Rent Ratio 1
Rent-to-Income Ratio 20
Business Formation Rate 76
House Price Change (YoY) 34
Legal Distress 14.7
Bankruptcy Filing Rate 15

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Hutchinson County
Hutchinson County, TX 57.6 Elevated —
Moore County, TX 55.6 Elevated -2.0
Hansford County, TX 52.3 Elevated -5.3
Roberts County, TX 47.3 Normal -10.4
Carson County, TX 45.1 Normal -12.5
Sherman County, TX 39.0 Normal -18.6

Population Peers

CountyScoreZonevs. Hutchinson County
Greenup County, KY 57.6 Elevated -0.0
Scotts Bluff County, NE 57.6 Elevated -0.0
Morgan County, TN 57.6 Elevated -0.0
Pike County, GA 57.6 Elevated -0.0
Torrance County, NM 57.5 Elevated -0.1

Download Data

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

Find Help in Hutchinson 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 Hutchinson 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 Hutchinson County, Texas?

    Hutchinson County has a County Distress Index score of 57.6 out of 100, placing it in the Elevated zone. It ranks 1,109th nationally out of 3,144 counties and 153rd in Texas out of 254 counties.

  • What drives financial distress in Hutchinson County?

    The primary driver of distress in Hutchinson County is Consumer Credit Distress, where the county scores 85.2 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Hutchinson County compare to neighboring counties?

    Hutchinson County (57.6) can be compared to its 5 neighboring counties: Moore County, TX (55.6); Hansford County, TX (52.3); Roberts County, TX (47.3).

  • 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). Hutchinson County's score of 57.6 sits in the Elevated zone (55–71).

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

    Hutchinson 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 Hutchinson County?

    Hutchinson County, Texas has a population of approximately 20,033 (2023 Census estimate), classified as a small county.