Titus County, Texas

County Distress Index: Elevated · 62.6 | 31,357 people · 115th most distressed in Texas
American Default Research

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Titus County, TX registers elevated household financial distress with a score of 62.6 — 791st 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 115th of 254 counties. Among its 4 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Titus County's primary driver is Consumer Credit Distress at 80.0 — worse than roughly 80% of U.S. counties.

Consumer Credit Distress Primary driver 80.0
Debt in Collections 73
Medical Debt 53
Auto Loan Delinquency 89
Credit Card Delinquency 95
Uninsured Rate 97
Subprime Credit Population 79
Housing Cost Burden 54.3
Rent-Burdened (30%+) 48
Severely Rent-Burdened (50%+) 53
Mortgage-Burdened (30%+) 50
Homeownership Rate 74
Structural Poverty 49.8
Unemployment Rate 38
Poverty Rate 66
Income vs. State Median 62
Child Poverty Rate 62
Disability Rate 36
Transfer Income Dependency 35
Economic Vitality 40.8
Wage-to-Rent Ratio 31
Rent-to-Income Ratio 42
Business Formation Rate 52
House Price Change (YoY) 67
Legal Distress 27.1
Bankruptcy Filing Rate 27

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Titus County
Titus County, TX 62.6 Elevated —
Red River County, TX 74.2 Serious +11.5
Morris County, TX 70.2 Serious +7.5
Camp County, TX 66.9 Serious +4.2
Franklin County, TX 49.1 Normal -13.5

Population Peers

CountyScoreZonevs. Titus County
Des Moines County, IA 62.6 Elevated -0.0
Osage County, OK 62.7 Elevated +0.0
Union County, FL 62.6 Elevated -0.1
Breathitt County, KY 62.7 Elevated +0.1
Scott County, IN 62.7 Elevated +0.1

Download Data

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

Find Help in Titus 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 Titus 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 Titus County, Texas?

    Titus County has a County Distress Index score of 62.6 out of 100, placing it in the Elevated zone. It ranks 791st nationally out of 3,144 counties and 115th in Texas out of 254 counties.

  • What drives financial distress in Titus County?

    The primary driver of distress in Titus County is Consumer Credit Distress, where the county scores 80.0 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Titus County compare to neighboring counties?

    Titus County (62.6) can be compared to its 4 neighboring counties: Red River County, TX (74.2); Morris County, TX (70.2); Camp County, TX (66.9).

  • 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). Titus County's score of 62.6 sits in the Elevated zone (55–71).

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

    Titus 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 Titus County?

    Titus County, Texas has a population of approximately 31,357 (2023 Census estimate), classified as a small county.