Nacogdoches County, Texas

County Distress Index: Serious · 77.0 | 65,375 people · 9th most distressed in Texas
American Default Research

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Nacogdoches County, TX shows significant household financial distress with a score of 77.0 — 128th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Texas, it ranks 9th of 254 counties. It scores higher 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. Nacogdoches County's primary driver is Housing Cost Burden at 86.8 — worse than roughly 87% of U.S. counties.

Housing Cost Burden Primary driver 86.8
Rent-Burdened (30%+) 96
Severely Rent-Burdened (50%+) 96
Mortgage-Burdened (30%+) 11
Homeownership Rate 95
Consumer Credit Distress 83.1
Debt in Collections 91
Medical Debt 99
Auto Loan Delinquency 70
Credit Card Delinquency 75
Uninsured Rate 89
Subprime Credit Population 80
Structural Poverty 66.8
Unemployment Rate 55
Poverty Rate 84
Income vs. State Median 81
Child Poverty Rate 78
Disability Rate 56
Transfer Income Dependency 48
Economic Vitality 64.0
Wage-to-Rent Ratio 64
Rent-to-Income Ratio 76
Business Formation Rate 47
House Price Change (YoY) 57
Legal Distress 43.5
Bankruptcy Filing Rate 44

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Nacogdoches County
Nacogdoches County, TX 77.0 Serious —
San Augustine County, TX 75.4 Serious -1.6
Angelina County, TX 75.1 Serious -2.0
Rusk County, TX 65.3 Serious -11.8
Shelby County, TX 62.8 Elevated -14.2
Cherokee County, TX 62.8 Elevated -14.3

Population Peers

CountyScoreZonevs. Nacogdoches County
Jefferson County, AR 77.0 Serious -0.0
Floyd County, GA 77.0 Serious +0.0
Hampton city, VA 77.1 Serious +0.1
Liberty County, TX 76.9 Serious -0.1
Carroll County, GA 76.9 Serious -0.1

Download Data

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

Find Help in Nacogdoches 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 Nacogdoches 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.

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Frequently Asked Questions

  • What is the distress score for Nacogdoches County, Texas?

    Nacogdoches County has a County Distress Index score of 77.0 out of 100, placing it in the Serious zone. It ranks 128th nationally out of 3,144 counties and 9th in Texas out of 254 counties.

  • What drives financial distress in Nacogdoches County?

    The primary driver of distress in Nacogdoches County is Housing Cost Burden, where the county scores 86.8 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Nacogdoches County compare to neighboring counties?

    Nacogdoches County (77.0) can be compared to its 5 neighboring counties: San Augustine County, TX (75.4); Angelina County, TX (75.1); Rusk County, TX (65.3).

  • 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 Serious 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). Nacogdoches County's score of 77.0 sits in the Serious zone (71–86).

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

    Nacogdoches 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 Nacogdoches County?

    Nacogdoches County, Texas has a population of approximately 65,375 (2023 Census estimate), classified as a mid county.