Taylor County, Texas

County Distress Index: Serious · 69.4 | 146,836 people · 60th most distressed in Texas
American Default Research

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Taylor County, TX shows significant household financial distress with a score of 69.4 — 420th 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 60th 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. Taylor County's primary driver is Consumer Credit Distress at 79.1 — worse than roughly 79% of U.S. counties.

Consumer Credit Distress Primary driver 79.1
Debt in Collections 86
Medical Debt 96
Auto Loan Delinquency 72
Credit Card Delinquency 59
Uninsured Rate 87
Subprime Credit Population 79
Housing Cost Burden 78.4
Rent-Burdened (30%+) 81
Severely Rent-Burdened (50%+) 65
Mortgage-Burdened (30%+) 93
Homeownership Rate 93
Economic Vitality 65.0
Wage-to-Rent Ratio 68
Rent-to-Income Ratio 78
Business Formation Rate 42
House Price Change (YoY) 57
Legal Distress 45.1
Bankruptcy Filing Rate 45
Structural Poverty 37.0
Unemployment Rate 27
Poverty Rate 48
Income vs. State Median 43
Child Poverty Rate 37
Disability Rate 37
Transfer Income Dependency 30

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Taylor County
Taylor County, TX 69.4 Serious —
Jones County, TX 73.1 Serious +3.7
Nolan County, TX 68.9 Serious -0.5
Coleman County, TX 57.5 Elevated -11.9
Callahan County, TX 56.0 Elevated -13.3
Runnels County, TX 54.5 Elevated -14.9
Fisher County, TX 47.5 Normal -21.9

Population Peers

CountyScoreZonevs. Taylor County
Hamblen County, TN 69.5 Serious +0.1
Tom Green County, TX 69.2 Serious -0.2
Clark County, OH 69.1 Serious -0.3
Wicomico County, MD 69.7 Serious +0.3
Cleveland County, NC 69.7 Serious +0.3

Download Data

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

Find Help in Taylor 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 Taylor 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 Taylor County, Texas?

    Taylor County has a County Distress Index score of 69.4 out of 100, placing it in the Serious zone. It ranks 420th nationally out of 3,144 counties and 60th in Texas out of 254 counties.

  • What drives financial distress in Taylor County?

    The primary driver of distress in Taylor County is Consumer Credit Distress, where the county scores 79.1 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Taylor County compare to neighboring counties?

    Taylor County (69.4) can be compared to its 6 neighboring counties: Jones County, TX (73.1); Nolan County, TX (68.9); Coleman County, TX (57.5).

  • 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 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). Taylor County's score of 69.4 sits in the Serious zone (71–86).

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

    Taylor 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 Taylor County?

    Taylor County, Texas has a population of approximately 146,836 (2023 Census estimate), classified as a mid county.