Stonewall County, Texas

County Distress Index: Elevated · 54.2 | 1,218 people · 175th most distressed in Texas
American Default Research

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Stonewall County, TX registers elevated household financial distress with a score of 54.2 — 1332nd 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 175th of 254 counties. Among its 7 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Stonewall County's primary driver is Consumer Credit Distress at 80.4 — worse than roughly 80% of U.S. counties.

Consumer Credit Distress Primary driver 80.4
Debt in Collections 86
Medical Debt 87
Auto Loan Delinquency 74
Credit Card Delinquency 73
Uninsured Rate 86
Subprime Credit Population 79
Legal Distress 64.6
Bankruptcy Filing Rate 65
Structural Poverty 52.2
Unemployment Rate 5
Poverty Rate 67
Income vs. State Median 66
Child Poverty Rate 71
Disability Rate 62
Transfer Income Dependency 36
Economic Vitality 30.9
Wage-to-Rent Ratio 7
Rent-to-Income Ratio 55
Business Formation Rate 36
House Price Change (YoY) 70
Housing Cost Burden 5.6
Rent-Burdened (30%+) 5
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 10
Homeownership Rate 5

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Stonewall County
Stonewall County, TX 54.2 Elevated —
Jones County, TX 73.1 Serious +18.9
Dickens County, TX 68.5 Serious +14.4
Haskell County, TX 63.5 Elevated +9.4
Kent County, TX 51.6 Elevated -2.5
Knox County, TX 51.6 Elevated -2.5
Fisher County, TX 47.5 Normal -6.7
King County, TX 46.4 Normal -7.7

Population Peers

CountyScoreZonevs. Stonewall County
Crittenden County, KY 54.2 Elevated -0.0
Reagan County, TX 54.4 Elevated +0.2
Fall River County, SD 54.4 Elevated +0.2
Rosebud County, MT 53.9 Elevated -0.2
Crowley County, CO 54.5 Elevated +0.3

Download Data

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

Find Help in Stonewall 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 Stonewall 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 Stonewall County, Texas?

    Stonewall County has a County Distress Index score of 54.2 out of 100, placing it in the Elevated zone. It ranks 1,332nd nationally out of 3,144 counties and 175th in Texas out of 254 counties.

  • What drives financial distress in Stonewall County?

    The primary driver of distress in Stonewall County is Consumer Credit Distress, where the county scores 80.4 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Stonewall County compare to neighboring counties?

    Stonewall County (54.2) can be compared to its 7 neighboring counties: Jones County, TX (73.1); Dickens County, TX (68.5); Haskell County, TX (63.5).

  • 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). Stonewall County's score of 54.2 sits in the Elevated zone (55–71).

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

    Stonewall 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 Stonewall County?

    Stonewall County, Texas has a population of approximately 1,218 (2023 Census estimate), classified as a tiny county.