Tom Green County, Texas

County Distress Index: Serious · 69.2 | 119,057 people · 65th most distressed in Texas
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Tom Green County, TX shows significant household financial distress with a score of 69.2 — 432nd 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 65th of 254 counties. It scores higher than all 8 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Tom Green County's primary driver is Consumer Credit Distress at 78.3 — worse than roughly 78% of U.S. counties.

Consumer Credit Distress Primary driver 78.3
Debt in Collections 83
Medical Debt 58
Auto Loan Delinquency 75
Credit Card Delinquency 82
Uninsured Rate 87
Subprime Credit Population 84
Economic Vitality 73.3
Wage-to-Rent Ratio 74
Rent-to-Income Ratio 87
Business Formation Rate 56
House Price Change (YoY) 60
Housing Cost Burden 72.9
Rent-Burdened (30%+) 83
Severely Rent-Burdened (50%+) 63
Mortgage-Burdened (30%+) 63
Homeownership Rate 80
Legal Distress 47.7
Bankruptcy Filing Rate 48
Structural Poverty 39.9
Unemployment Rate 19
Poverty Rate 59
Income vs. State Median 50
Child Poverty Rate 46
Disability Rate 44
Transfer Income Dependency 23

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Tom Green County
Tom Green County, TX 69.2 Serious —
Menard County, TX 61.4 Elevated -7.7
Runnels County, TX 54.5 Elevated -14.7
Reagan County, TX 54.4 Elevated -14.8
Sterling County, TX 52.0 Elevated -17.2
Schleicher County, TX 50.8 Elevated -18.4
Irion County, TX 47.9 Normal -21.3
Concho County, TX 47.6 Normal -21.6
Coke County, TX 44.7 Normal -24.5

Population Peers

CountyScoreZonevs. Tom Green County
Clark County, OH 69.1 Serious -0.0
Imperial County, CA 69.0 Serious -0.1
Taylor County, TX 69.4 Serious +0.2
Hamblen County, TN 69.5 Serious +0.3
Wicomico County, MD 69.7 Serious +0.5

Download Data

Export all distress indicators for Tom Green County as a CSV file.

Find Help in Tom Green 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 Tom Green 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 Tom Green County, Texas?

    Tom Green County has a County Distress Index score of 69.2 out of 100, placing it in the Serious zone. It ranks 432nd nationally out of 3,144 counties and 65th in Texas out of 254 counties.

  • What drives financial distress in Tom Green County?

    The primary driver of distress in Tom Green County is Consumer Credit Distress, where the county scores 78.3 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Tom Green County compare to neighboring counties?

    Tom Green County (69.2) can be compared to its 8 neighboring counties: Menard County, TX (61.4); Runnels County, TX (54.5); Reagan County, TX (54.4).

  • 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). Tom Green County's score of 69.2 sits in the Serious zone (71–86).

  • What data sources power Tom Green County's CDI score?

    Tom Green 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 Tom Green County?

    Tom Green County, Texas has a population of approximately 119,057 (2023 Census estimate), classified as a mid county.