Mills County, Texas
Above the national median for child poverty rate — and 9.8× the rate of the healthiest U.S. county (Skagway Municipality, AK — 2%).
Main Findings
Mills County, Texas is more distressed than 31% of U.S. counties on the County Distress Index. Mills sits near the national median across major distress indicators. Its highest-scoring domain is Safety Net & Buffer and its lowest is Labor.
- 232nd of 254 counties in Texas on the County Distress Index — 31 · low-moderate county distress, more distressed than 31% of U.S. counties.
- 23% of children live below the federal poverty line (U.S. median 17%). Child poverty rate at the 77th percentile nationally. Source: U.S. Census Bureau, SAIPE (2024).
- Auto loan delinquency at 9% — national median 5%, ranked at the 90th percentile. Source: Urban Institute Debt in America (2025).
- Debt in collections at 26% — national median 23%, ranked at the 60th percentile. Source: Urban Institute Debt in America (2025).
- Debt Burden (housing basis) domain score 22 — weight 20.0% of the CDI composite. Source: American Default Research.
Neighbors span three CDI score labels. The 40-point drop to San Saba County marks where the Texas distress corridor ends.
Mills County has a low-moderate county distress score. The CDI reading is a county comparison, separate from national ADI bands.
The CDI gives this county a low-moderate county distress label. The label comes from the score, while the rank compares the county with the current national cross-section. Its highest-scoring domain is Safety Net & Buffer.
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to Urban Institute Debt in America (2025), Mills County's credit card delinquency indicator is at the 5th percentile. American Default Research's CDI places every other indicator in the Delinquency domain at or above the 63rd percentile. The gap stands out against auto loan delinquency. Worth a call to the source agency or a local subject-matter contact in Goldthwaite.
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Mills County's CDI Score
Every number traces to a public source. Mills County's value shown alongside TX's median and the U.S. median. Full CSV available for download.
| Indicator | Mills | TX median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 53 · Rank 1,468 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 9% | 7% | 5% | 90th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 2% | 7% | 5% | 5th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 27% | 32% | 23% | 63rd | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 39 · Rank 2,050 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 26% | 35% | 23% | 60th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 66 | 78 | 126 | 18th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 22 · Rank 2,730 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 20% | 22% | 21% | 39th | U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 3% | 17% | 18% | 5th | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 20 · Rank 2,702 of 3,144 | |||||
| Adults 25-54 not working Share of adults aged 25 to 54 without a job, leaving out residents of prisons and other institutions (service members count as working) | 13% | 22% | 21% | 8th | U.S. Census Bureau, ACS 5-year (2024) |
| Unemployment (average of monthly rates) Share of labor force unemployed, averaged over the monthly rates published for September 2025 to August 2026 (no figures published for October 2025) | 4% | 4% | 4% | 32nd | U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025) |
| Safety Net & Buffer — domain score 64 · Rank 1,028 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 23% | 20% | 17% | 77th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 16% | 16% | 16% | 51st | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 14% | 15% | 13% | 53rd | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 11% | 17% | 8% | 72nd | U.S. Census Bureau, ACS 5-year (2024) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index scores household financial distress from 0 to 100 for all 3,144 U.S. counties. A county's score is the share of U.S. counties it is more distressed than. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the five domains are averaged, and that average is ranked against every other county to give the score.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), Equifax data retrieved via FRED (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), U.S. Bureau of Labor Statistics (Local Area Unemployment Statistics), Administrative Office of the U.S. Courts (F-5A bankruptcy filings), and U.S. Department of Housing and Urban Development Fair Market Rents. Data vintages range from 2024 to 2027 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Mills County data.
Draft wire copy 122-word AP-style article — use freely with attribution
GOLDTHWAITE, Texas — Mills County is more distressed than 31% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Mills scores 31 out of 100, which means it is more distressed than 31% of U.S. counties; its score label is low-moderate county distress. Within Texas, Mills ranks 232nd of 254 counties.
The index, which draws on 14 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, finds Mills sitting near the national median across major distress indicators, with no single domain emerging as a clear driver.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Mills County's CDI score, and what does it mean?
What drives Mills County's distress score?
How does Mills County compare to its neighbors?
How is the County Distress Index calculated?
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