Ochiltree County, Texas

County Distress Index: Normal · 42.9 | 9,704 people · 240th most distressed in Texas
American Default Research

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Ochiltree County, TX falls within the normal range for household financial distress at 42.9 — 2017th nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where debt and delinquency levels sit above the national average. Within Texas, it ranks 240th of 254 counties. Among its 5 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Ochiltree County's primary driver is Consumer Credit Distress at 54.5 — above the national median.

Consumer Credit Distress Primary driver 54.5
Debt in Collections 46
Medical Debt 69
Auto Loan Delinquency 15
Credit Card Delinquency 64
Uninsured Rate 95
Subprime Credit Population 65
Housing Cost Burden 47.9
Rent-Burdened (30%+) 44
Severely Rent-Burdened (50%+) 40
Mortgage-Burdened (30%+) 52
Homeownership Rate 74
Economic Vitality 28.1
Wage-to-Rent Ratio 16
Rent-to-Income Ratio 9
Business Formation Rate 61
House Price Change (YoY) 85
Structural Poverty 24.1
Unemployment Rate 19
Poverty Rate 30
Income vs. State Median 18
Child Poverty Rate 37
Disability Rate 46
Transfer Income Dependency 6
Legal Distress 6.4
Bankruptcy Filing Rate 6

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Ochiltree County
Ochiltree County, TX 42.9 Normal —
Hansford County, TX 52.3 Elevated +9.4
Roberts County, TX 47.3 Normal +4.3
Texas County, OK 45.0 Normal +2.1
Lipscomb County, TX 29.0 Healthy -14.0
Beaver County, OK 28.9 Healthy -14.0

Population Peers

CountyScoreZonevs. Ochiltree County
Caldwell County, MO 43.1 Normal +0.1
Ziebach County, SD 42.8 Normal -0.2
Yoakum County, TX 42.8 Normal -0.2
Craig County, VA 42.7 Normal -0.3
Carroll County, MO 43.2 Normal +0.3

Download Data

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

Find Help in Ochiltree 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 Ochiltree 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 Ochiltree County, Texas?

    Ochiltree County has a County Distress Index score of 42.9 out of 100, placing it in the Normal zone. It ranks 2,017th nationally out of 3,144 counties and 240th in Texas out of 254 counties.

  • What drives financial distress in Ochiltree County?

    The primary driver of distress in Ochiltree County is Consumer Credit Distress, where the county scores 54.5 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Ochiltree County compare to neighboring counties?

    Ochiltree County (42.9) can be compared to its 5 neighboring counties: Hansford County, TX (52.3); Roberts County, TX (47.3); Texas County, OK (45.0).

  • 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 Normal 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). Ochiltree County's score of 42.9 sits in the Normal zone (46–55).

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

    Ochiltree 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 Ochiltree County?

    Ochiltree County, Texas has a population of approximately 9,704 (2023 Census estimate), classified as a tiny county.