Randall County, Texas

County Distress Index: Elevated · 54.2 | 148,255 people · 174th most distressed in Texas
American Default Research

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Randall County, TX registers elevated household financial distress with a score of 54.2 — 1330th 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 174th of 254 counties. Among its 7 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Randall County's primary driver is Housing Cost Burden at 66.4 — above the national median.

Housing Cost Burden Primary driver 66.4
Rent-Burdened (30%+) 65
Severely Rent-Burdened (50%+) 58
Mortgage-Burdened (30%+) 88
Homeownership Rate 76
Consumer Credit Distress 65.0
Debt in Collections 68
Medical Debt 92
Auto Loan Delinquency 49
Credit Card Delinquency 57
Uninsured Rate 67
Subprime Credit Population 63
Legal Distress 49.9
Bankruptcy Filing Rate 50
Economic Vitality 38.2
Wage-to-Rent Ratio 46
Rent-to-Income Ratio 7
Business Formation Rate 49
House Price Change (YoY) 74
Structural Poverty 10.0
Unemployment Rate 10
Poverty Rate 11
Income vs. State Median 8
Child Poverty Rate 13
Disability Rate 11
Transfer Income Dependency 8

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Randall County
Randall County, TX 54.2 Elevated —
Potter County, TX 74.7 Serious +20.5
Swisher County, TX 67.3 Serious +13.1
Deaf Smith County, TX 64.4 Elevated +10.1
Castro County, TX 53.8 Elevated -0.4
Oldham County, TX 49.6 Normal -4.6
Carson County, TX 45.1 Normal -9.1
Armstrong County, TX 40.9 Normal -13.3

Population Peers

CountyScoreZonevs. Randall County
Portage County, OH 54.2 Elevated 0.0
Wilkes County, NC 54.2 Elevated -0.0
Logan County, OK 54.0 Elevated -0.2
Wise County, TX 54.0 Elevated -0.2
Grady County, OK 54.5 Elevated +0.3

Download Data

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

Find Help in Randall 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 Randall 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 Randall County, Texas?

    Randall County has a County Distress Index score of 54.2 out of 100, placing it in the Elevated zone. It ranks 1,330th nationally out of 3,144 counties and 174th in Texas out of 254 counties.

  • What drives financial distress in Randall County?

    The primary driver of distress in Randall County is Housing Cost Burden, where the county scores 66.4 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Randall County compare to neighboring counties?

    Randall County (54.2) can be compared to its 7 neighboring counties: Potter County, TX (74.7); Swisher County, TX (67.3); Deaf Smith County, TX (64.4).

  • 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 Elevated 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). Randall County's score of 54.2 sits in the Elevated zone (55–71).

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

    Randall 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 Randall County?

    Randall County, Texas has a population of approximately 148,255 (2023 Census estimate), classified as a mid county.