Reagan County, Texas

County Distress Index: Elevated · 54.4 | 3,141 people · 172nd most distressed in Texas
American Default Research

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Reagan County, TX registers elevated household financial distress with a score of 54.4 — 1321st nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Texas, it ranks 172nd of 254 counties. Among its 7 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Reagan County's primary driver is Consumer Credit Distress at 84.2 — worse than roughly 84% of U.S. counties.

Consumer Credit Distress Primary driver 84.2
Debt in Collections 88
Medical Debt 91
Auto Loan Delinquency 74
Credit Card Delinquency 73
Uninsured Rate 93
Subprime Credit Population 90
Housing Cost Burden 38.5
Rent-Burdened (30%+) 7
Severely Rent-Burdened (50%+) 71
Mortgage-Burdened (30%+) 30
Homeownership Rate 41
Legal Distress 24.8
Bankruptcy Filing Rate 25
Structural Poverty 19.6
Unemployment Rate 41
Poverty Rate 26
Income vs. State Median 17
Child Poverty Rate 32
Disability Rate 5
Transfer Income Dependency 7
Economic Vitality 14.2
Wage-to-Rent Ratio 5
Rent-to-Income Ratio 10
Business Formation Rate 17
House Price Change (YoY) 70

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Reagan County
Reagan County, TX 54.4 Elevated —
Tom Green County, TX 69.2 Serious +14.8
Midland County, TX 62.9 Elevated +8.5
Sterling County, TX 52.0 Elevated -2.4
Irion County, TX 47.9 Normal -6.5
Upton County, TX 47.3 Normal -7.1
Crockett County, TX 45.2 Normal -9.2
Glasscock County, TX 43.4 Normal -11.0

Population Peers

CountyScoreZonevs. Reagan County
Fall River County, SD 54.4 Elevated +0.0
Crowley County, CO 54.5 Elevated +0.1
Runnels County, TX 54.5 Elevated +0.1
Thurston County, NE 54.5 Elevated +0.1
Richmond County, VA 54.5 Elevated +0.2

Download Data

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

Find Help in Reagan 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 Reagan 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 Reagan County, Texas?

    Reagan County has a County Distress Index score of 54.4 out of 100, placing it in the Elevated zone. It ranks 1,321st nationally out of 3,144 counties and 172nd in Texas out of 254 counties.

  • What drives financial distress in Reagan County?

    The primary driver of distress in Reagan County is Consumer Credit Distress, where the county scores 84.2 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Reagan County compare to neighboring counties?

    Reagan County (54.4) can be compared to its 7 neighboring counties: Tom Green County, TX (69.2); Midland County, TX (62.9); Sterling County, TX (52.0).

  • 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 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). Reagan County's score of 54.4 sits in the Elevated zone (55–71).

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

    Reagan 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 Reagan County?

    Reagan County, Texas has a population of approximately 3,141 (2023 Census estimate), classified as a tiny county.