Moore County, Texas
Above the national median for subprime credit share.
Main Findings
Moore County, Texas is more distressed than 50% of U.S. counties on the County Distress Index. The driver: 37% of residents carry subprime credit (score below 660) — above the national median of 23%. Its highest-scoring domain is Delinquency and its lowest is Debt Burden (housing basis).
- 179th of 254 counties in Texas on the County Distress Index — 50 · moderate county distress, more distressed than 50% of U.S. counties.
- 37% of residents carry subprime credit (score below 660) (U.S. median 23%). Subprime credit share at the 91st percentile nationally. Source: Equifax data retrieved via FRED (2025).
- Uninsured rate at 23% — national median 8%, ranked at the 98th percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
- Debt in collections at 32% — national median 23%, ranked at the 79th percentile. Source: Urban Institute Debt in America (2025).
- Adults 25-54 not working at 22% — national median 21%, ranked at the 59th percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
Unemployment is 3%, near the national median of 4%, while subprime credit share runs at the 91st percentile. Jobs exist; wages don't close the gap.
Neighbors span four CDI score labels. The 64-point drop to Hartley County marks where the Texas distress corridor ends.
Moore County has a moderate county distress score. The county sits near the middle of the CDI score scale, so the domain mix carries the story.
The CDI gives this county a moderate county distress label. The domain mix matters because the same composite score can come from very different local conditions. Its highest-scoring domain is Delinquency.
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, ACS 5-year (2024), Moore County's disability rate indicator is at the 6th percentile. American Default Research's CDI places every other indicator in the Safety Net & Buffer domain at or above the 51st percentile. The gap stands out against uninsured rate. Worth a call to the source agency or a local subject-matter contact in Dumas.
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 Moore County's CDI Score
Every number traces to a public source. Moore County's value shown alongside TX's median and the U.S. median. Full CSV available for download.
| Indicator | Moore | TX median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 86 · Rank 345 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 7% | 7% | 5% | 78th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 9% | 7% | 5% | 89th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 37% | 32% | 23% | 91st | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 42 · Rank 1,910 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 32% | 35% | 23% | 79th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 38 | 78 | 126 | 5th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 31 · Rank 2,387 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 19% | 22% | 21% | 35th | 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 | 14% | 17% | 18% | 28th | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 39 · Rank 2,075 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) | 22% | 22% | 21% | 59th | 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) | 3% | 4% | 4% | 19th | 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 53 · Rank 1,446 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 18% | 20% | 17% | 57th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 11% | 16% | 16% | 6th | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 14% | 15% | 13% | 54th | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 23% | 17% | 8% | 98th | 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 Moore County data.
Draft wire copy 126-word AP-style article — use freely with attribution
DUMAS, Texas — Moore County is more distressed than 50% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Moore scores 50 out of 100, which means it is more distressed than 50% of U.S. counties; its score label is moderate county distress. Within Texas, Moore ranks 179th 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, identifies delinquency as the primary driver in Moore. 37% of residents carry subprime credit (score below 660) — above the national median of 23%.
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 Moore County's CDI score, and what does it mean?
What drives Moore County's distress score?
How does Moore County compare to its neighbors?
How is the County Distress Index calculated?
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