Lynn County, Texas

County Distress Index: Elevated · 51.1 | 5,761 people · 195th most distressed in Texas
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Lynn County, TX registers elevated household financial distress with a score of 51.1 — 1512th 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 195th of 254 counties. Among its 7 neighboring counties, 6 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Lynn County's primary driver is Consumer Credit Distress at 68.9 — above the national median.

Consumer Credit Distress Primary driver 68.9
Debt in Collections 78
Medical Debt 74
Auto Loan Delinquency 36
Credit Card Delinquency 51
Uninsured Rate 87
Subprime Credit Population 91
Structural Poverty 54.3
Unemployment Rate 30
Poverty Rate 71
Income vs. State Median 63
Child Poverty Rate 67
Disability Rate 61
Transfer Income Dependency 35
Housing Cost Burden 37.3
Rent-Burdened (30%+) 54
Severely Rent-Burdened (50%+) 11
Mortgage-Burdened (30%+) 72
Homeownership Rate 37
Economic Vitality 25.4
Wage-to-Rent Ratio 6
Rent-to-Income Ratio 50
Business Formation Rate 16
House Price Change (YoY) 70
Legal Distress 5.0
Bankruptcy Filing Rate 5

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Lynn County
Lynn County, TX 51.1 Elevated —
Terry County, TX 76.8 Serious +25.6
Crosby County, TX 74.8 Serious +23.7
Lubbock County, TX 74.3 Serious +23.2
Dawson County, TX 68.5 Serious +17.3
Hockley County, TX 64.3 Elevated +13.2
Garza County, TX 59.3 Elevated +8.1
Borden County, TX 41.2 Normal -9.9

Population Peers

CountyScoreZonevs. Lynn County
Musselshell County, MT 51.2 Elevated +0.0
Dallam County, TX 51.3 Elevated +0.1
Jackson County, SD 51.3 Elevated +0.1
Benton County, IN 51.3 Elevated +0.2
Linn County, KS 50.9 Elevated -0.2

Download Data

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

Find Help in Lynn 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 Lynn 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 Lynn County, Texas?

    Lynn County has a County Distress Index score of 51.1 out of 100, placing it in the Elevated zone. It ranks 1,512th nationally out of 3,144 counties and 195th in Texas out of 254 counties.

  • What drives financial distress in Lynn County?

    The primary driver of distress in Lynn County is Consumer Credit Distress, where the county scores 68.9 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Lynn County compare to neighboring counties?

    Lynn County (51.1) can be compared to its 7 neighboring counties: Terry County, TX (76.8); Crosby County, TX (74.8); Lubbock County, TX (74.3).

  • 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 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). Lynn County's score of 51.1 sits in the Elevated zone (55–71).

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

    Lynn 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 Lynn County?

    Lynn County, Texas has a population of approximately 5,761 (2023 Census estimate), classified as a tiny county.