Uvalde County, Texas
3× the national median for auto loan delinquency.
Main Findings
Uvalde County, Texas ranks 432nd most distressed in the United States on the County Distress Index. The driver: 15% of auto loan accounts are 60+ days past due — more than double the national median of 5%.
- 432nd of 3,144 counties on the County Distress Index — Most distressed fifth, 41st in Texas.
- 15% of auto loan accounts are 60+ days past due (U.S. median 5%). Auto loan delinquency at the 99th percentile nationally.
- Uninsured rate at 20% — national median 8%, ranked at the 96th percentile.
- Unemployment at 4% — national median 4%, ranked at the 68th percentile.
- Rent-to-income ratio at 28% — national median 21%, ranked at the 90th percentile.
Unemployment is 4%, near the national median of 4%, while auto loan delinquency runs at the 99th percentile. Jobs exist; wages don't close the gap.
Neighbors span three CDI distress fifths. The 26-point drop to Bandera County marks where the Texas distress corridor ends.
"Uvalde County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated."
"The CDI places this county in the most distressed fifth nationally. The rank is the important geography signal: it compares the county with every other county-equivalent in the release."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
32% of children under 18 in Uvalde County live below the federal poverty line, versus 18% nationally. When a county's adult poverty rate is accompanied by a materially higher child poverty rate, the gap typically reflects single-parent household concentration or limited access to workforce-participation supports (childcare, transportation). Worth a call to the local school district's free-and-reduced-lunch coordinator or a regional United Way affiliate.
The Indicators Behind Uvalde County's CDI Score
Every number traces to a public source. Uvalde County's value shown alongside TX's median and the U.S. median. Full CSV available for download.
| Indicator | Uvalde | TX median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 92 · Rank 153 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 15% | 7% | 5% | 99th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 9% | 7% | 5% | 88th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 35% | 32% | 23% | 89th | Urban Institute (2024) |
| Default & Legal — domain score 53 · Rank 1,430 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 39% | 35% | 23% | 93rd | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 56 | 78 | 126 | 12th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 53 · Rank 1,408 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 28% | 22% | 21% | 90th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 11% | 17% | 18% | 16th | Census ACS 5-yr (2023) |
| Labor — domain score 68 · Rank 1,025 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 68th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 88 · Rank 124 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 32% | 22% | 18% | 94th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 20% | 16% | 16% | 82nd | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 21% | 15% | 14% | 89th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 30% | 26% | 27% | 67th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 20% | 17% | 8% | 96th | 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 Uvalde County data — in under 60 seconds.
Draft wire copy 149-word AP-style article — use freely with attribution
UVALDE, Texas — Uvalde County ranks 432nd 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 71 out of 100 places Uvalde in the most distressed fifth. Among 3,144 U.S. counties scored, 431 counties rank more distressed. Within Texas, Uvalde ranks 41st 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 Uvalde. 15% of auto loan accounts are 60+ days past due — more than double the national median of 5%.
"Uvalde County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated," 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
What is Uvalde County's CDI score, and what does it mean?
What drives Uvalde County's distress score?
How does Uvalde County compare to its neighbors?
How is the County Distress Index calculated?
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