Kendall County, Texas

County Distress Index: Normal · 39.0 | 50,537 people · 246th most distressed in Texas
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Kendall County, TX falls within the normal range for household financial distress at 39.0 — 2255th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Texas, it ranks 246th of 254 counties. Among its 6 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Kendall County's primary driver is Housing Cost Burden at 83.3 — worse than roughly 83% of U.S. counties.

Housing Cost Burden Primary driver 83.3
Rent-Burdened (30%+) 93
Severely Rent-Burdened (50%+) 99
Mortgage-Burdened (30%+) 76
Homeownership Rate 30
Economic Vitality 52.6
Wage-to-Rent Ratio 84
Rent-to-Income Ratio 16
Business Formation Rate 7
House Price Change (YoY) 92
Legal Distress 35.7
Bankruptcy Filing Rate 36
Consumer Credit Distress 24.9
Debt in Collections 22
Medical Debt 46
Auto Loan Delinquency 19
Credit Card Delinquency 8
Uninsured Rate 73
Subprime Credit Population 14
Structural Poverty 8.8
Unemployment Rate 27
Poverty Rate 4
Income vs. State Median 1
Child Poverty Rate 7
Disability Rate 17
Transfer Income Dependency 5

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Kendall County
Kendall County, TX 39.0 Normal —
Bexar County, TX 73.2 Serious +34.2
Kerr County, TX 49.7 Normal +10.7
Comal County, TX 47.4 Normal +8.3
Bandera County, TX 46.3 Normal +7.2
Gillespie County, TX 35.6 Normal -3.5
Blanco County, TX 33.9 Healthy -5.1

Population Peers

CountyScoreZonevs. Kendall County
Lower Connecticut River Valley Planning Region, CT 39.1 Normal +0.0
Marquette County, MI 39.0 Normal -0.1
Barnstable County, MA 39.1 Normal +0.1
Waupaca County, WI 39.1 Normal +0.1
Hampshire County, MA 39.1 Normal +0.1

Download Data

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

Find Help in Kendall 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 Kendall 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 →

Continue Reading

Frequently Asked Questions

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

    Kendall County has a County Distress Index score of 39.0 out of 100, placing it in the Normal zone. It ranks 2,255th nationally out of 3,144 counties and 246th in Texas out of 254 counties.

  • What drives financial distress in Kendall County?

    The primary driver of distress in Kendall County is Housing Cost Burden, where the county scores 83.3 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Kendall County compare to neighboring counties?

    Kendall County (39.0) can be compared to its 6 neighboring counties: Bexar County, TX (73.2); Kerr County, TX (49.7); Comal County, TX (47.4).

  • 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). Kendall County's score of 39.0 sits in the Normal zone (46–55).

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

    Kendall 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 Kendall County?

    Kendall County, Texas has a population of approximately 50,537 (2023 Census estimate), classified as a mid county.