McMullen County, Texas

County Distress Index: Elevated · 52.9 | 568 people · 183rd most distressed in Texas
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McMullen County, TX registers elevated household financial distress with a score of 52.9 — 1410th 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 183rd of 254 counties. It scores lower than all 5 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. McMullen County's primary driver is Consumer Credit Distress at 82.4 — worse than roughly 82% of U.S. counties.

Consumer Credit Distress Primary driver 82.4
Debt in Collections 86
Medical Debt 87
Auto Loan Delinquency 74
Credit Card Delinquency 73
Uninsured Rate 94
Subprime Credit Population 86
Legal Distress 68.7
Bankruptcy Filing Rate 69
Structural Poverty 33.8
Unemployment Rate 91
Poverty Rate 41
Income vs. State Median 19
Child Poverty Rate 54
Disability Rate 18
Transfer Income Dependency 8
Economic Vitality 19.9
Wage-to-Rent Ratio 5
Rent-to-Income Ratio 13
Business Formation Rate 45
House Price Change (YoY) 70
Housing Cost Burden 10.0
Rent-Burdened (30%+) 5
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 5
Homeownership Rate 37

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. McMullen County
McMullen County, TX 52.9 Elevated —
Webb County, TX 78.4 Serious +25.5
Duval County, TX 68.7 Serious +15.8
Atascosa County, TX 68.4 Serious +15.5
La Salle County, TX 62.0 Elevated +9.1
Live Oak County, TX 60.4 Elevated +7.5

Population Peers

CountyScoreZonevs. McMullen County
Stark County, IL 52.8 Elevated -0.0
Culberson County, TX 52.9 Elevated +0.0
Pershing County, NV 52.8 Elevated -0.1
Guadalupe County, NM 53.1 Elevated +0.2
Clark County, MO 53.1 Elevated +0.3

Download Data

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

Find Help in McMullen 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 McMullen 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 McMullen County, Texas?

    McMullen County has a County Distress Index score of 52.9 out of 100, placing it in the Elevated zone. It ranks 1,410th nationally out of 3,144 counties and 183rd in Texas out of 254 counties.

  • What drives financial distress in McMullen County?

    The primary driver of distress in McMullen County is Consumer Credit Distress, where the county scores 82.4 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does McMullen County compare to neighboring counties?

    McMullen County (52.9) can be compared to its 5 neighboring counties: Webb County, TX (78.4); Duval County, TX (68.7); Atascosa County, TX (68.4).

  • 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 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). McMullen County's score of 52.9 sits in the Elevated zone (55–71).

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

    McMullen 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 McMullen County?

    McMullen County, Texas has a population of approximately 568 (2023 Census estimate), classified as a tiny county.