Jack County, Texas

County Distress Index: Elevated · 59.7 | 8,875 people · 143rd most distressed in Texas
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Jack County, TX registers elevated household financial distress with a score of 59.7 — 976th 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 143rd of 254 counties. Among its 7 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Jack County's primary driver is Consumer Credit Distress at 76.1 — worse than roughly 76% of U.S. counties.

Consumer Credit Distress Primary driver 76.1
Debt in Collections 82
Medical Debt 92
Auto Loan Delinquency 67
Credit Card Delinquency 67
Uninsured Rate 95
Subprime Credit Population 67
Housing Cost Burden 66.4
Rent-Burdened (30%+) 43
Severely Rent-Burdened (50%+) 83
Mortgage-Burdened (30%+) 92
Homeownership Rate 63
Structural Poverty 42.2
Unemployment Rate 67
Poverty Rate 47
Income vs. State Median 41
Child Poverty Rate 47
Disability Rate 16
Transfer Income Dependency 41
Legal Distress 18.4
Bankruptcy Filing Rate 18
Economic Vitality 17.9
Wage-to-Rent Ratio 8
Rent-to-Income Ratio 24
Business Formation Rate 40
House Price Change (YoY) 6

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Jack County
Jack County, TX 59.7 Elevated —
Palo Pinto County, TX 72.2 Serious +12.5
Montague County, TX 67.9 Serious +8.2
Parker County, TX 55.0 Elevated -4.7
Wise County, TX 54.0 Elevated -5.7
Clay County, TX 50.9 Elevated -8.8
Young County, TX 47.2 Normal -12.5
Archer County, TX 37.6 Normal -22.1

Population Peers

CountyScoreZonevs. Jack County
Choctaw County, MS 59.7 Elevated -0.0
Ohio County, IN 59.8 Elevated +0.1
Donley County, TX 59.6 Elevated -0.1
Todd County, SD 59.6 Elevated -0.1
Menifee County, KY 59.6 Elevated -0.1

Download Data

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

Find Help in Jack 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 Jack 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 Jack County, Texas?

    Jack County has a County Distress Index score of 59.7 out of 100, placing it in the Elevated zone. It ranks 976th nationally out of 3,144 counties and 143rd in Texas out of 254 counties.

  • What drives financial distress in Jack County?

    The primary driver of distress in Jack County is Consumer Credit Distress, where the county scores 76.1 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Jack County compare to neighboring counties?

    Jack County (59.7) can be compared to its 7 neighboring counties: Palo Pinto County, TX (72.2); Montague County, TX (67.9); Parker County, TX (55.0).

  • 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). Jack County's score of 59.7 sits in the Elevated zone (55–71).

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

    Jack 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 Jack County?

    Jack County, Texas has a population of approximately 8,875 (2023 Census estimate), classified as a tiny county.