Red River County, Texas

County Distress Index: Serious · 74.2 | 11,678 people · 24th most distressed in Texas
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Red River County, TX shows significant household financial distress with a score of 74.2 — 220th nationally out of 3144 counties. The primary driver is Structural Poverty, where poverty rates are high, transfer income dependency is elevated, and household incomes lag well behind state and national medians. Within Texas, it ranks 24th of 254 counties. Among its 8 neighboring counties, 7 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Red River County's primary driver is Structural Poverty at 83.9 — worse than roughly 84% of U.S. counties.

Structural Poverty Primary driver 83.9
Unemployment Rate 76
Poverty Rate 80
Income vs. State Median 89
Child Poverty Rate 85
Disability Rate 74
Transfer Income Dependency 92
Consumer Credit Distress 80.3
Debt in Collections 95
Medical Debt 95
Auto Loan Delinquency 38
Credit Card Delinquency 93
Uninsured Rate 89
Subprime Credit Population 77
Housing Cost Burden 75.0
Rent-Burdened (30%+) 80
Severely Rent-Burdened (50%+) 84
Mortgage-Burdened (30%+) 35
Homeownership Rate 69
Economic Vitality 62.5
Wage-to-Rent Ratio 61
Rent-to-Income Ratio 72
Business Formation Rate 48
House Price Change (YoY) 70
Legal Distress 28.7
Bankruptcy Filing Rate 29

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Red River County
Red River County, TX 74.2 Serious —
Bowie County, TX 74.3 Serious +0.1
Choctaw County, OK 71.3 Serious -2.9
Lamar County, TX 71.1 Serious -3.0
Morris County, TX 70.2 Serious -4.0
McCurtain County, OK 64.1 Elevated -10.1
Delta County, TX 63.8 Elevated -10.3
Titus County, TX 62.6 Elevated -11.5
Franklin County, TX 49.1 Normal -25.0

Population Peers

CountyScoreZonevs. Red River County
Copiah County, MS 74.2 Serious 0.0
Greene County, AR 74.1 Serious -0.0
Marlboro County, SC 74.1 Serious -0.0
Grenada County, MS 74.1 Serious -0.1
Winston County, MS 74.1 Serious -0.1

Download Data

Export all distress indicators for Red River County as a CSV file.

Find Help in Red River 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 Red River 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 Red River County, Texas?

    Red River County has a County Distress Index score of 74.2 out of 100, placing it in the Serious zone. It ranks 220th nationally out of 3,144 counties and 24th in Texas out of 254 counties.

  • What drives financial distress in Red River County?

    The primary driver of distress in Red River County is Structural Poverty, where the county scores 83.9 out of 100. This domain is measured by indicators including Unemployment Rate, Poverty Rate, Income vs. State Median.

  • How does Red River County compare to neighboring counties?

    Red River County (74.2) can be compared to its 8 neighboring counties: Bowie County, TX (74.3); Choctaw County, OK (71.3); Lamar County, TX (71.1).

  • 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). Red River County's score of 74.2 sits in the Serious zone (71–86).

  • What data sources power Red River County's CDI score?

    Red River 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 Red River County?

    Red River County, Texas has a population of approximately 11,678 (2023 Census estimate), classified as a small county.