Lampasas County, Texas

County Distress Index: Elevated · 59.8 | 23,262 people · 140th most distressed in Texas
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Lampasas County, TX registers elevated household financial distress with a score of 59.8 — 969th 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 140th 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. Lampasas County's primary driver is Consumer Credit Distress at 71.0 — above the national median.

Consumer Credit Distress Primary driver 71.0
Debt in Collections 71
Medical Debt 73
Auto Loan Delinquency 67
Credit Card Delinquency 71
Uninsured Rate 81
Subprime Credit Population 69
Housing Cost Burden 61.8
Rent-Burdened (30%+) 78
Severely Rent-Burdened (50%+) 63
Mortgage-Burdened (30%+) 67
Homeownership Rate 18
Structural Poverty 49.9
Unemployment Rate 55
Poverty Rate 33
Income vs. State Median 19
Child Poverty Rate 46
Disability Rate 94
Transfer Income Dependency 61
Economic Vitality 42.7
Wage-to-Rent Ratio 66
Rent-to-Income Ratio 19
Business Formation Rate 32
House Price Change (YoY) 18
Legal Distress 21.3
Bankruptcy Filing Rate 21

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Lampasas County
Lampasas County, TX 59.8 Elevated —
Bell County, TX 72.5 Serious +12.7
Coryell County, TX 66.6 Serious +6.8
Hamilton County, TX 56.2 Elevated -3.6
San Saba County, TX 50.4 Elevated -9.4
Mills County, TX 48.4 Normal -11.4
Burnet County, TX 43.0 Normal -16.8

Population Peers

CountyScoreZonevs. Lampasas County
Wythe County, VA 59.8 Elevated +0.0
Sharp County, AR 59.8 Elevated -0.0
Panola County, TX 59.8 Elevated -0.0
Eastland County, TX 59.7 Elevated -0.1
Mason County, KY 59.9 Elevated +0.1

Download Data

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

Find Help in Lampasas 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 Lampasas 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 Lampasas County, Texas?

    Lampasas County has a County Distress Index score of 59.8 out of 100, placing it in the Elevated zone. It ranks 969th nationally out of 3,144 counties and 140th in Texas out of 254 counties.

  • What drives financial distress in Lampasas County?

    The primary driver of distress in Lampasas County is Consumer Credit Distress, where the county scores 71.0 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Lampasas County compare to neighboring counties?

    Lampasas County (59.8) can be compared to its 6 neighboring counties: Bell County, TX (72.5); Coryell County, TX (66.6); Hamilton County, TX (56.2).

  • 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). Lampasas County's score of 59.8 sits in the Elevated zone (55–71).

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

    Lampasas 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 Lampasas County?

    Lampasas County, Texas has a population of approximately 23,262 (2023 Census estimate), classified as a small county.