Llano County, Texas

County Distress Index: Normal · 44.8 | 22,875 people · 233rd most distressed in Texas
American Default Research

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Llano County, TX falls within the normal range for household financial distress at 44.8 — 1906th nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where debt and delinquency levels sit above the national average. Within Texas, it ranks 233rd of 254 counties. Among its 5 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Llano County's primary driver is Consumer Credit Distress at 48.6 — above the national median.

Consumer Credit Distress Primary driver 48.6
Debt in Collections 60
Medical Debt 83
Auto Loan Delinquency 18
Credit Card Delinquency 24
Uninsured Rate 89
Subprime Credit Population 45
Structural Poverty 46.6
Unemployment Rate 45
Poverty Rate 35
Income vs. State Median 19
Child Poverty Rate 66
Disability Rate 77
Transfer Income Dependency 50
Housing Cost Burden 45.5
Rent-Burdened (30%+) 65
Severely Rent-Burdened (50%+) 31
Mortgage-Burdened (30%+) 45
Homeownership Rate 34
Economic Vitality 43.8
Wage-to-Rent Ratio 58
Rent-to-Income Ratio 23
Business Formation Rate 14
House Price Change (YoY) 95
Legal Distress 15.5
Bankruptcy Filing Rate 16

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Llano County
Llano County, TX 44.8 Normal —
San Saba County, TX 50.4 Elevated +5.6
Burnet County, TX 43.0 Normal -1.8
Mason County, TX 40.1 Normal -4.7
Gillespie County, TX 35.6 Normal -9.2
Blanco County, TX 33.9 Healthy -10.9

Population Peers

CountyScoreZonevs. Llano County
Benewah County, ID 44.7 Normal -0.1
Montgomery County, MO 44.7 Normal -0.1
Webster County, MO 44.9 Normal +0.1
Mifflin County, PA 44.7 Normal -0.1
Venango County, PA 44.9 Normal +0.1

Download Data

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

Find Help in Llano 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 Llano 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 Llano County, Texas?

    Llano County has a County Distress Index score of 44.8 out of 100, placing it in the Normal zone. It ranks 1,906th nationally out of 3,144 counties and 233rd in Texas out of 254 counties.

  • What drives financial distress in Llano County?

    The primary driver of distress in Llano County is Consumer Credit Distress, where the county scores 48.6 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Llano County compare to neighboring counties?

    Llano County (44.8) can be compared to its 5 neighboring counties: San Saba County, TX (50.4); Burnet County, TX (43.0); Mason County, TX (40.1).

  • 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). Llano County's score of 44.8 sits in the Normal zone (46–55).

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

    Llano 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 Llano County?

    Llano County, Texas has a population of approximately 22,875 (2023 Census estimate), classified as a small county.