Upshur County, Texas
Above the national median for credit card delinquency.
Main Findings
Upshur County, Texas ranks 667th most distressed in the United States on the County Distress Index. The driver: 9% of credit card accounts are 60+ days past due — above the national median of 5%.
- 667th of 3,144 counties on the County Distress Index — Second-most distressed fifth, 76th in Texas.
- 9% of credit card accounts are 60+ days past due (U.S. median 5%). Credit card delinquency at the 90th percentile nationally.
- Unemployment at 4% — national median 4%, ranked at the 68th percentile.
- Disability rate at 20% — national median 16%, ranked at the 83rd percentile.
- Debt in collections at 36% — national median 23%, ranked at the 89th percentile.
Unemployment is 4%, near the national median of 4%, while credit card delinquency runs at the 90th percentile. Jobs exist; wages don't close the gap.
Neighbors span two CDI distress fifths. The 15-point drop to Smith County marks where the Texas distress corridor ends.
"Upshur County ranks in the second-most distressed fifth of U.S. counties. The score is above the national county midpoint, with the domain table showing the local pressure mix."
"The CDI places this county in the second-most distressed fifth nationally. The county sits above the median distress position, with the five-domain profile showing which local pressures carry the score."
The Indicators Behind Upshur County's CDI Score
Every number traces to a public source. Upshur County's value shown alongside TX's median and the U.S. median. Full CSV available for download.
| Indicator | Upshur | TX median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 84 · Rank 392 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 8% | 7% | 5% | 83rd | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 9% | 7% | 5% | 90th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 32% | 32% | 23% | 80th | Urban Institute (2024) |
| Default & Legal — domain score 59 · Rank 1,165 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 36% | 35% | 23% | 89th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 86 | 78 | 126 | 29th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 55 · Rank 1,285 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 23% | 22% | 21% | 69th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 16% | 17% | 18% | 41st | Census ACS 5-yr (2023) |
| Labor — domain score 68 · Rank 1,028 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 68th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 64 · Rank 997 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 19% | 22% | 18% | 54th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 20% | 16% | 16% | 83rd | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 14% | 15% | 14% | 53rd | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 29% | 26% | 27% | 62nd | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 13% | 17% | 8% | 82nd | Census ACS 5-yr (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Upshur County data — in under 60 seconds.
Draft wire copy 153-word AP-style article — use freely with attribution
GILMER, Texas — Upshur County ranks 667th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 66 out of 100 places Upshur in the second-most distressed fifth. Among 3,144 U.S. counties scored, 666 counties rank more distressed. Within Texas, Upshur ranks 76th of 254 counties.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies delinquency as the primary driver in Upshur. 9% of credit card accounts are 60+ days past due — above the national median of 5%.
"Upshur County ranks in the second-most distressed fifth of U.S. counties. The score is above the national county midpoint, with the domain table showing the local pressure mix," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
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