Midland County, Texas

County Distress Index: Elevated · 62.9 | 177,108 people · 112th most distressed in Texas
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Midland County, TX registers elevated household financial distress with a score of 62.9 — 775th 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 112th of 254 counties. Among its 6 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Midland County's primary driver is Consumer Credit Distress at 83.3 — worse than roughly 83% of U.S. counties.

Consumer Credit Distress Primary driver 83.3
Debt in Collections 84
Medical Debt 83
Auto Loan Delinquency 84
Credit Card Delinquency 69
Uninsured Rate 89
Subprime Credit Population 91
Housing Cost Burden 79.7
Rent-Burdened (30%+) 78
Severely Rent-Burdened (50%+) 84
Mortgage-Burdened (30%+) 73
Homeownership Rate 77
Economic Vitality 32.2
Wage-to-Rent Ratio 21
Rent-to-Income Ratio 64
Business Formation Rate 4
House Price Change (YoY) 49
Structural Poverty 12.9
Unemployment Rate 19
Poverty Rate 28
Income vs. State Median 3
Child Poverty Rate 29
Disability Rate 10
Transfer Income Dependency 1
Legal Distress 11.7
Bankruptcy Filing Rate 12

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Midland County
Midland County, TX 62.9 Elevated —
Ector County, TX 72.3 Serious +9.4
Reagan County, TX 54.4 Elevated -8.5
Andrews County, TX 50.3 Elevated -12.6
Martin County, TX 49.1 Normal -13.8
Upton County, TX 47.3 Normal -15.6
Glasscock County, TX 43.4 Normal -19.5

Population Peers

CountyScoreZonevs. Midland County
Faulkner County, AR 63.0 Elevated +0.1
Hall County, GA 62.8 Elevated -0.1
Cherokee County, TX 62.8 Elevated -0.1
Muskingum County, OH 62.7 Elevated -0.2
Saginaw County, MI 63.1 Elevated +0.2

Download Data

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

Find Help in Midland County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Midland County.

MIDLAND COMMUNITY DEVELOPMENT CORP
Midland
432-682-2520 Website
Financial CounselingFinancial CounselingPre-PurchaseHomebuyer Education

See all counselors in Texas →

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 Midland 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 Midland County, Texas?

    Midland County has a County Distress Index score of 62.9 out of 100, placing it in the Elevated zone. It ranks 775th nationally out of 3,144 counties and 112th in Texas out of 254 counties.

  • What drives financial distress in Midland County?

    The primary driver of distress in Midland County is Consumer Credit Distress, where the county scores 83.3 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Midland County compare to neighboring counties?

    Midland County (62.9) can be compared to its 6 neighboring counties: Ector County, TX (72.3); Reagan County, TX (54.4); Andrews County, TX (50.3).

  • 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). Midland County's score of 62.9 sits in the Elevated zone (55–71).

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

    Midland 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 Midland County?

    Midland County, Texas has a population of approximately 177,108 (2023 Census estimate), classified as a mid county.