Lipscomb County, Texas

County Distress Index: Healthy · 29.0 | 2,906 people · 254th most distressed in Texas
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Lipscomb County, TX ranks among the least distressed counties in the country at 29.0 — 2802nd nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where debt and delinquency rates remain below the national norm. Within Texas, it ranks 254th of 254 counties. Among its 5 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Lipscomb County's primary driver is Consumer Credit Distress at 43.2 — above the national median.

Consumer Credit Distress Primary driver 43.2
Debt in Collections 27
Medical Debt 66
Auto Loan Delinquency 74
Credit Card Delinquency 5
Uninsured Rate 95
Subprime Credit Population 31
Structural Poverty 24.6
Unemployment Rate 16
Poverty Rate 42
Income vs. State Median 26
Child Poverty Rate 45
Disability Rate 23
Transfer Income Dependency 5
Economic Vitality 23.2
Wage-to-Rent Ratio 23
Rent-to-Income Ratio 14
Business Formation Rate 15
House Price Change (YoY) 70
Housing Cost Burden 11.6
Rent-Burdened (30%+) 5
Severely Rent-Burdened (50%+) 13
Mortgage-Burdened (30%+) 19
Homeownership Rate 18
Legal Distress 5.0
Bankruptcy Filing Rate 5

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Lipscomb County
Lipscomb County, TX 29.0 Healthy —
Ellis County, OK 60.2 Elevated +31.2
Hemphill County, TX 47.5 Normal +18.6
Roberts County, TX 47.3 Normal +18.3
Ochiltree County, TX 42.9 Normal +14.0
Beaver County, OK 28.9 Healthy -0.1

Population Peers

CountyScoreZonevs. Lipscomb County
Morton County, KS 28.9 Healthy -0.1
Phelps County, NE 28.9 Healthy -0.1
Beaver County, OK 28.9 Healthy -0.1
McPherson County, NE 29.1 Healthy +0.1
Lake of the Woods County, MN 28.8 Healthy -0.1

Download Data

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

Find Help in Lipscomb 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 Lipscomb 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 Lipscomb County, Texas?

    Lipscomb County has a County Distress Index score of 29.0 out of 100, placing it in the Healthy zone. It ranks 2,802nd nationally out of 3,144 counties and 254th in Texas out of 254 counties.

  • What drives financial distress in Lipscomb County?

    The primary driver of distress in Lipscomb County is Consumer Credit Distress, where the county scores 43.2 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Lipscomb County compare to neighboring counties?

    Lipscomb County (29.0) can be compared to its 5 neighboring counties: Ellis County, OK (60.2); Hemphill County, TX (47.5); Roberts County, TX (47.3).

  • 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 Healthy 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). Lipscomb County's score of 29.0 sits in the Healthy zone (below 46).

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

    Lipscomb 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 Lipscomb County?

    Lipscomb County, Texas has a population of approximately 2,906 (2023 Census estimate), classified as a tiny county.