Limestone County, Texas

County Distress Index: Serious · 65.4 | 22,250 people · 88th most distressed in Texas
American Default Research

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Limestone County, TX shows significant household financial distress with a score of 65.4 — 619th 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 88th of 254 counties. Among its 7 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Limestone County's primary driver is Consumer Credit Distress at 81.6 — worse than roughly 82% of U.S. counties.

Consumer Credit Distress Primary driver 81.6
Debt in Collections 90
Medical Debt 81
Auto Loan Delinquency 75
Credit Card Delinquency 70
Uninsured Rate 94
Subprime Credit Population 84
Structural Poverty 73.4
Unemployment Rate 58
Poverty Rate 78
Income vs. State Median 77
Child Poverty Rate 81
Disability Rate 66
Transfer Income Dependency 75
Housing Cost Burden 52.8
Rent-Burdened (30%+) 42
Severely Rent-Burdened (50%+) 76
Mortgage-Burdened (30%+) 12
Homeownership Rate 52
Legal Distress 33.2
Bankruptcy Filing Rate 33
Economic Vitality 26.3
Wage-to-Rent Ratio 1
Rent-to-Income Ratio 57
Business Formation Rate 36
House Price Change (YoY) 41

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Limestone County
Limestone County, TX 65.4 Serious —
McLennan County, TX 71.1 Serious +5.7
Navarro County, TX 69.8 Serious +4.4
Falls County, TX 67.0 Serious +1.6
Freestone County, TX 65.9 Serious +0.5
Hill County, TX 64.7 Elevated -0.7
Robertson County, TX 62.5 Elevated -2.9
Leon County, TX 52.1 Elevated -13.3

Population Peers

CountyScoreZonevs. Limestone County
Pushmataha County, OK 65.4 Serious +0.0
Edgefield County, SC 65.4 Serious +0.0
Carter County, KY 65.4 Serious -0.0
Monroe County, MS 65.4 Serious -0.0
Monroe County, AL 65.3 Serious -0.1

Download Data

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

Find Help in Limestone 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 Limestone 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 Limestone County, Texas?

    Limestone County has a County Distress Index score of 65.4 out of 100, placing it in the Serious zone. It ranks 619th nationally out of 3,144 counties and 88th in Texas out of 254 counties.

  • What drives financial distress in Limestone County?

    The primary driver of distress in Limestone County is Consumer Credit Distress, where the county scores 81.6 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Limestone County compare to neighboring counties?

    Limestone County (65.4) can be compared to its 7 neighboring counties: McLennan County, TX (71.1); Navarro County, TX (69.8); Falls County, TX (67.0).

  • 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 Serious 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). Limestone County's score of 65.4 sits in the Serious zone (71–86).

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

    Limestone 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 Limestone County?

    Limestone County, Texas has a population of approximately 22,250 (2023 Census estimate), classified as a small county.