Scurry County, Texas

County Distress Index: Elevated · 54.5 | 16,212 people · 169th most distressed in Texas
American Default Research

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Scurry County, TX registers elevated household financial distress with a score of 54.5 — 1309th 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 169th of 254 counties. Its score is in the middle of its 6 neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Scurry County's primary driver is Consumer Credit Distress at 88.3 — worse than roughly 88% of U.S. counties.

Consumer Credit Distress Primary driver 88.3
Debt in Collections 95
Medical Debt 95
Auto Loan Delinquency 82
Credit Card Delinquency 78
Uninsured Rate 95
Subprime Credit Population 88
Structural Poverty 41.1
Unemployment Rate 41
Poverty Rate 66
Income vs. State Median 21
Child Poverty Rate 66
Disability Rate 33
Transfer Income Dependency 33
Economic Vitality 27.1
Wage-to-Rent Ratio 5
Rent-to-Income Ratio 28
Business Formation Rate 57
House Price Change (YoY) 79
Housing Cost Burden 15.9
Rent-Burdened (30%+) 6
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 59
Homeownership Rate 35
Legal Distress 11.9
Bankruptcy Filing Rate 12

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Scurry County
Scurry County, TX 54.5 Elevated —
Nolan County, TX 68.9 Serious +14.4
Mitchell County, TX 62.3 Elevated +7.9
Garza County, TX 59.3 Elevated +4.8
Kent County, TX 51.6 Elevated -2.8
Fisher County, TX 47.5 Normal -7.0
Borden County, TX 41.2 Normal -13.2

Population Peers

CountyScoreZonevs. Scurry County
Monroe County, KY 54.5 Elevated -0.0
Sabine County, TX 54.5 Elevated -0.0
Scott County, VA 54.5 Elevated +0.0
La Paz County, AZ 54.5 Elevated -0.0
Grainger County, TN 54.5 Elevated +0.0

Download Data

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

Find Help in Scurry 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 Scurry 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 Scurry County, Texas?

    Scurry County has a County Distress Index score of 54.5 out of 100, placing it in the Elevated zone. It ranks 1,309th nationally out of 3,144 counties and 169th in Texas out of 254 counties.

  • What drives financial distress in Scurry County?

    The primary driver of distress in Scurry County is Consumer Credit Distress, where the county scores 88.3 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Scurry County compare to neighboring counties?

    Scurry County (54.5) can be compared to its 6 neighboring counties: Nolan County, TX (68.9); Mitchell County, TX (62.3); Garza County, TX (59.3).

  • 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). Scurry County's score of 54.5 sits in the Elevated zone (55–71).

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

    Scurry 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 Scurry County?

    Scurry County, Texas has a population of approximately 16,212 (2023 Census estimate), classified as a small county.