Roberts County, Texas

County Distress Index: Normal · 47.3 | 840 people · 220th most distressed in Texas
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Roberts County, TX falls within the normal range for household financial distress at 47.2 — 1763rd 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 220th of 254 counties. Among its 8 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Roberts County's primary driver is Consumer Credit Distress at 73.0 — above the national median.

Consumer Credit Distress Primary driver 73.0
Debt in Collections 86
Medical Debt 87
Auto Loan Delinquency 74
Credit Card Delinquency 73
Uninsured Rate 80
Subprime Credit Population 47
Economic Vitality 55.8
Wage-to-Rent Ratio 68
Rent-to-Income Ratio 5
Business Formation Rate 95
House Price Change (YoY) 70
Legal Distress 24.8
Bankruptcy Filing Rate 25
Structural Poverty 17.5
Unemployment Rate 64
Poverty Rate 13
Income vs. State Median 13
Child Poverty Rate 16
Disability Rate 5
Transfer Income Dependency 9
Housing Cost Burden 14.3
Rent-Burdened (30%+) 5
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 91
Homeownership Rate 5

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Roberts County
Roberts County, TX 47.3 Normal —
Gray County, TX 63.2 Elevated +16.0
Hutchinson County, TX 57.6 Elevated +10.4
Wheeler County, TX 54.9 Elevated +7.7
Hansford County, TX 52.3 Elevated +5.0
Hemphill County, TX 47.5 Normal +0.3
Carson County, TX 45.1 Normal -2.1
Ochiltree County, TX 42.9 Normal -4.3
Lipscomb County, TX 29.0 Healthy -18.3

Population Peers

CountyScoreZonevs. Roberts County
Upton County, TX 47.3 Normal +0.1
Kimball County, NE 47.2 Normal -0.1
Fisher County, TX 47.5 Normal +0.2
Grundy County, MO 47.5 Normal +0.2
Hemphill County, TX 47.5 Normal +0.3

Download Data

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

Find Help in Roberts 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 Roberts 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 Roberts County, Texas?

    Roberts County has a County Distress Index score of 47.3 out of 100, placing it in the Normal zone. It ranks 1,763rd nationally out of 3,144 counties and 220th in Texas out of 254 counties.

  • What drives financial distress in Roberts County?

    The primary driver of distress in Roberts County is Consumer Credit Distress, where the county scores 73.0 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Roberts County compare to neighboring counties?

    Roberts County (47.3) can be compared to its 8 neighboring counties: Gray County, TX (63.2); Hutchinson County, TX (57.6); Wheeler County, TX (54.9).

  • 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). Roberts County's score of 47.3 sits in the Normal zone (46–55).

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

    Roberts 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 Roberts County?

    Roberts County, Texas has a population of approximately 840 (2023 Census estimate), classified as a tiny county.