Swisher County, Texas

County Distress Index: Serious · 67.3 | 6,955 people · 79th most distressed in Texas
American Default Research

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Swisher County, TX shows significant household financial distress with a score of 67.3 — 529th 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 79th of 254 counties. Among its 6 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Swisher County's primary driver is Consumer Credit Distress at 92.4 — worse than roughly 92% of U.S. counties.

Consumer Credit Distress Primary driver 92.4
Debt in Collections 95
Medical Debt 95
Auto Loan Delinquency 93
Credit Card Delinquency 95
Uninsured Rate 95
Subprime Credit Population 85
Structural Poverty 60.3
Unemployment Rate 49
Poverty Rate 84
Income vs. State Median 81
Child Poverty Rate 87
Disability Rate 61
Transfer Income Dependency 13
Economic Vitality 59.1
Wage-to-Rent Ratio 52
Rent-to-Income Ratio 61
Business Formation Rate 95
House Price Change (YoY) 18
Housing Cost Burden 39.3
Rent-Burdened (30%+) 21
Severely Rent-Burdened (50%+) 44
Mortgage-Burdened (30%+) 22
Homeownership Rate 82
Legal Distress 13.6
Bankruptcy Filing Rate 14

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Swisher County
Swisher County, TX 67.3 Serious —
Hale County, TX 72.3 Serious +5.0
Floyd County, TX 65.4 Serious -1.9
Briscoe County, TX 58.4 Elevated -8.9
Randall County, TX 54.2 Elevated -13.1
Castro County, TX 53.8 Elevated -13.6
Armstrong County, TX 40.9 Normal -26.4

Population Peers

CountyScoreZonevs. Swisher County
Allendale County, SC 67.3 Serious -0.1
Wilcox County, GA 67.6 Serious +0.2
Seminole County, GA 67.1 Serious -0.3
Carter County, MO 67.1 Serious -0.3
Twiggs County, GA 67.6 Serious +0.3

Download Data

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

Find Help in Swisher 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 Swisher 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 Swisher County, Texas?

    Swisher County has a County Distress Index score of 67.3 out of 100, placing it in the Serious zone. It ranks 529th nationally out of 3,144 counties and 79th in Texas out of 254 counties.

  • What drives financial distress in Swisher County?

    The primary driver of distress in Swisher County is Consumer Credit Distress, where the county scores 92.4 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Swisher County compare to neighboring counties?

    Swisher County (67.3) can be compared to its 6 neighboring counties: Hale County, TX (72.3); Floyd County, TX (65.4); Briscoe 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 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). Swisher County's score of 67.3 sits in the Serious zone (71–86).

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

    Swisher 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 Swisher County?

    Swisher County, Texas has a population of approximately 6,955 (2023 Census estimate), classified as a tiny county.