Somervell County, Texas

County Distress Index: Healthy · 32.8 | 9,888 people · 253rd most distressed in Texas
American Default Research

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Somervell County, TX ranks among the least distressed counties in the country at 32.8 — 2593rd nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where debt and delinquency levels sit above the national average. Within Texas, it ranks 253rd of 254 counties. It scores lower than all 4 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Somervell County's primary driver is Consumer Credit Distress at 48.4 — above the national median.

Consumer Credit Distress Primary driver 48.4
Debt in Collections 62
Medical Debt 91
Auto Loan Delinquency 5
Credit Card Delinquency 5
Uninsured Rate 72
Subprime Credit Population 68
Structural Poverty 21.8
Unemployment Rate 55
Poverty Rate 12
Income vs. State Median 11
Child Poverty Rate 23
Disability Rate 12
Transfer Income Dependency 26
Housing Cost Burden 21.5
Rent-Burdened (30%+) 37
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 42
Homeownership Rate 11
Economic Vitality 14.5
Wage-to-Rent Ratio 5
Rent-to-Income Ratio 5
Business Formation Rate 18
House Price Change (YoY) 86
Legal Distress 10.0
Bankruptcy Filing Rate 10

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Somervell County
Somervell County, TX 32.8 Healthy —
Johnson County, TX 69.9 Serious +37.1
Erath County, TX 69.2 Serious +36.4
Hood County, TX 58.4 Elevated +25.5
Bosque County, TX 53.2 Elevated +20.4

Population Peers

CountyScoreZonevs. Somervell County
Power County, ID 32.8 Healthy 0.0
Gilliam County, OR 32.9 Healthy +0.0
Stanley County, SD 32.8 Healthy -0.0
Powell County, MT 32.9 Healthy +0.0
Wibaux County, MT 33.1 Healthy +0.2

Download Data

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

Find Help in Somervell 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 Somervell 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 Somervell County, Texas?

    Somervell County has a County Distress Index score of 32.8 out of 100, placing it in the Healthy zone. It ranks 2,593rd nationally out of 3,144 counties and 253rd in Texas out of 254 counties.

  • What drives financial distress in Somervell County?

    The primary driver of distress in Somervell County is Consumer Credit Distress, where the county scores 48.4 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Somervell County compare to neighboring counties?

    Somervell County (32.8) can be compared to its 4 neighboring counties: Johnson County, TX (69.9); Erath County, TX (69.2); Hood County, TX (58.4).

  • 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 Healthy 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). Somervell County's score of 32.8 sits in the Healthy zone (below 46).

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

    Somervell 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 Somervell County?

    Somervell County, Texas has a population of approximately 9,888 (2023 Census estimate), classified as a tiny county.