Oldham County, Texas

County Distress Index: Normal · 49.6 | 1,783 people · 203rd most distressed in Texas
American Default Research

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Oldham County, TX falls within the normal range for household financial distress at 49.6 — 1599th 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 203rd of 254 counties. Among its 6 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Oldham County's primary driver is Consumer Credit Distress at 63.9 — above the national median.

Consumer Credit Distress Primary driver 63.9
Debt in Collections 45
Medical Debt 85
Auto Loan Delinquency 74
Credit Card Delinquency 73
Uninsured Rate 88
Subprime Credit Population 45
Economic Vitality 57.0
Wage-to-Rent Ratio 64
Rent-to-Income Ratio 31
Business Formation Rate 72
House Price Change (YoY) 70
Legal Distress 42.2
Bankruptcy Filing Rate 42
Housing Cost Burden 30.9
Rent-Burdened (30%+) 17
Severely Rent-Burdened (50%+) 35
Mortgage-Burdened (30%+) 10
Homeownership Rate 66
Structural Poverty 29.4
Unemployment Rate 34
Poverty Rate 40
Income vs. State Median 23
Child Poverty Rate 86
Disability Rate 5
Transfer Income Dependency 6

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Oldham County
Oldham County, TX 49.6 Normal —
Potter County, TX 74.7 Serious +25.1
Deaf Smith County, TX 64.4 Elevated +14.8
Moore County, TX 55.6 Elevated +6.0
Randall County, TX 54.2 Elevated +4.6
Quay County, NM 53.6 Elevated +4.0
Hartley County, TX 35.1 Normal -14.5

Population Peers

CountyScoreZonevs. Oldham County
Lander County, NV 49.5 Normal -0.1
Shannon County, MO 49.7 Normal +0.1
Coal County, OK 50.0 Elevated +0.4
Hall County, TX 49.1 Normal -0.5
Martin County, TX 49.1 Normal -0.5

Download Data

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

Find Help in Oldham 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 Oldham 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.

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Frequently Asked Questions

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

    Oldham County has a County Distress Index score of 49.6 out of 100, placing it in the Normal zone. It ranks 1,599th nationally out of 3,144 counties and 203rd in Texas out of 254 counties.

  • What drives financial distress in Oldham County?

    The primary driver of distress in Oldham County is Consumer Credit Distress, where the county scores 63.9 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Oldham County compare to neighboring counties?

    Oldham County (49.6) can be compared to its 6 neighboring counties: Potter County, TX (74.7); Deaf Smith County, TX (64.4); Moore County, TX (55.6).

  • 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). Oldham County's score of 49.6 sits in the Normal zone (46–55).

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

    Oldham 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 Oldham County?

    Oldham County, Texas has a population of approximately 1,783 (2023 Census estimate), classified as a tiny county.