Loving County, Texas

County Distress Index: Normal · 44.8 | 43 people · 234th most distressed in Texas
American Default Research

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Loving County, TX falls within the normal range for household financial distress at 44.8 — 1907th 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 234th 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. Loving County's primary driver is Consumer Credit Distress at 74.0 — above the national median.

Consumer Credit Distress Primary driver 74.0
Debt in Collections 86
Medical Debt 87
Auto Loan Delinquency 74
Credit Card Delinquency 73
Uninsured Rate 5
Subprime Credit Population 80
Legal Distress 24.8
Bankruptcy Filing Rate 25
Housing Cost Burden 19.2
Rent-Burdened (30%+) 5
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 5
Homeownership Rate 95
Structural Poverty 18.4
Unemployment Rate 5
Poverty Rate 5
Income vs. State Median 5
Child Poverty Rate 5
Disability Rate 95
Transfer Income Dependency 5
Economic Vitality 10.8
Wage-to-Rent Ratio 5
Rent-to-Income Ratio 5
Business Formation Rate 5
House Price Change (YoY) 70

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Loving County
Loving County, TX 44.8 Normal —
Lea County, NM 63.6 Elevated +18.9
Ward County, TX 62.0 Elevated +17.3
Reeves County, TX 61.4 Elevated +16.6
Eddy County, NM 48.5 Normal +3.8
Winkler County, TX 44.0 Normal -0.7

Population Peers

CountyScoreZonevs. Loving County
Lincoln County, CO 44.7 Normal -0.0
Newton County, AR 44.7 Normal -0.0
Brewster County, TX 44.8 Normal +0.1
Prince of Wales-Hyder Census Area, AK 44.7 Normal -0.1
Presidio County, TX 44.7 Normal -0.1

Download Data

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

Find Help in Loving 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 Loving 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 Loving County, Texas?

    Loving County has a County Distress Index score of 44.8 out of 100, placing it in the Normal zone. It ranks 1,907th nationally out of 3,144 counties and 234th in Texas out of 254 counties.

  • What drives financial distress in Loving County?

    The primary driver of distress in Loving County is Consumer Credit Distress, where the county scores 74.0 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Loving County compare to neighboring counties?

    Loving County (44.8) can be compared to its 5 neighboring counties: Lea County, NM (63.6); Ward County, TX (62.0); Reeves County, TX (61.4).

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

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

    Loving 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 Loving County?

    Loving County, Texas has a population of approximately 43 (2023 Census estimate), classified as a tiny county.