Kerr County, Texas

County Distress Index: Normal · 49.7 | 53,915 people · 201st most distressed in Texas
American Default Research

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Kerr County, TX falls within the normal range for household financial distress at 49.7 — 1590th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing costs consume a moderate share of household income. Within Texas, it ranks 201st of 254 counties. Among its 6 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Kerr County's primary driver is Housing Cost Burden at 59.0 — above the national median.

Housing Cost Burden Primary driver 59.0
Rent-Burdened (30%+) 71
Severely Rent-Burdened (50%+) 50
Mortgage-Burdened (30%+) 33
Homeownership Rate 69
Consumer Credit Distress 53.0
Debt in Collections 57
Medical Debt 72
Auto Loan Delinquency 44
Credit Card Delinquency 41
Uninsured Rate 94
Subprime Credit Population 39
Economic Vitality 47.8
Wage-to-Rent Ratio 38
Rent-to-Income Ratio 47
Business Formation Rate 58
House Price Change (YoY) 81
Structural Poverty 40.3
Unemployment Rate 23
Poverty Rate 38
Income vs. State Median 34
Child Poverty Rate 58
Disability Rate 60
Transfer Income Dependency 34
Legal Distress 20.5
Bankruptcy Filing Rate 21

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Kerr County
Kerr County, TX 49.7 Normal —
Edwards County, TX 61.5 Elevated +11.8
Real County, TX 60.9 Elevated +11.2
Kimble County, TX 46.4 Normal -3.3
Bandera County, TX 46.3 Normal -3.5
Kendall County, TX 39.0 Normal -10.7
Gillespie County, TX 35.6 Normal -14.1

Population Peers

CountyScoreZonevs. Kerr County
Cape Girardeau County, MO 49.7 Normal +0.0
Miami County, OH 49.7 Normal -0.0
Racine County, WI 49.6 Normal -0.1
Berkshire County, MA 49.6 Normal -0.1
Wagoner County, OK 49.6 Normal -0.1

Download Data

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

Find Help in Kerr 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 Kerr 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 Kerr County, Texas?

    Kerr County has a County Distress Index score of 49.7 out of 100, placing it in the Normal zone. It ranks 1,590th nationally out of 3,144 counties and 201st in Texas out of 254 counties.

  • What drives financial distress in Kerr County?

    The primary driver of distress in Kerr County is Housing Cost Burden, where the county scores 59.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Kerr County compare to neighboring counties?

    Kerr County (49.7) can be compared to its 6 neighboring counties: Edwards County, TX (61.5); Real County, TX (60.9); Kimble County, TX (46.4).

  • 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). Kerr County's score of 49.7 sits in the Normal zone (46–55).

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

    Kerr 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 Kerr County?

    Kerr County, Texas has a population of approximately 53,915 (2023 Census estimate), classified as a mid county.