Trinity County, Texas

County Distress Index: Serious · 74.0 | 14,228 people · 26th most distressed in Texas
American Default Research

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Trinity County, TX shows significant household financial distress with a score of 74.0 — 227th 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 26th of 254 counties. Among its 5 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Trinity County's primary driver is Consumer Credit Distress at 91.6 — worse than roughly 92% of U.S. counties.

Consumer Credit Distress Primary driver 91.6
Debt in Collections 94
Medical Debt 94
Auto Loan Delinquency 90
Credit Card Delinquency 89
Uninsured Rate 90
Subprime Credit Population 91
Structural Poverty 88.3
Unemployment Rate 80
Poverty Rate 82
Income vs. State Median 89
Child Poverty Rate 88
Disability Rate 94
Transfer Income Dependency 93
Economic Vitality 67.0
Wage-to-Rent Ratio 76
Rent-to-Income Ratio 78
Business Formation Rate 46
House Price Change (YoY) 24
Legal Distress 53.0
Bankruptcy Filing Rate 53
Housing Cost Burden 37.6
Rent-Burdened (30%+) 54
Severely Rent-Burdened (50%+) 25
Mortgage-Burdened (30%+) 35
Homeownership Rate 32

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Trinity County
Trinity County, TX 74.0 Serious —
Angelina County, TX 75.1 Serious +1.1
Walker County, TX 72.1 Serious -1.9
Polk County, TX 70.6 Serious -3.4
Houston County, TX 67.6 Serious -6.4
San Jacinto County, TX 64.5 Elevated -9.5

Population Peers

CountyScoreZonevs. Trinity County
Dodge County, GA 74.0 Serious -0.0
Winston County, MS 74.1 Serious +0.1
Grenada County, MS 74.1 Serious +0.1
Marlboro County, SC 74.1 Serious +0.1
Greene County, AR 74.1 Serious +0.1

Download Data

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

Find Help in Trinity 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 Trinity 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 Trinity County, Texas?

    Trinity County has a County Distress Index score of 74.0 out of 100, placing it in the Serious zone. It ranks 227th nationally out of 3,144 counties and 26th in Texas out of 254 counties.

  • What drives financial distress in Trinity County?

    The primary driver of distress in Trinity County is Consumer Credit Distress, where the county scores 91.6 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Trinity County compare to neighboring counties?

    Trinity County (74.0) can be compared to its 5 neighboring counties: Angelina County, TX (75.1); Walker County, TX (72.1); Polk County, TX (70.6).

  • 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). Trinity County's score of 74.0 sits in the Serious zone (71–86).

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

    Trinity 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 Trinity County?

    Trinity County, Texas has a population of approximately 14,228 (2023 Census estimate), classified as a small county.