Victoria County, Texas

County Distress Index: Serious · 73.8 | 91,664 people · 27th most distressed in Texas
American Default Research

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Victoria County, TX shows significant household financial distress with a score of 73.8 — 232nd 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 27th of 254 counties. Among its 6 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Victoria County's primary driver is Consumer Credit Distress at 87.5 — worse than roughly 88% of U.S. counties.

Consumer Credit Distress Primary driver 87.5
Debt in Collections 91
Medical Debt 80
Auto Loan Delinquency 88
Credit Card Delinquency 88
Uninsured Rate 92
Subprime Credit Population 87
Housing Cost Burden 79.0
Rent-Burdened (30%+) 77
Severely Rent-Burdened (50%+) 83
Mortgage-Burdened (30%+) 73
Homeownership Rate 78
Economic Vitality 78.1
Wage-to-Rent Ratio 83
Rent-to-Income Ratio 79
Business Formation Rate 58
House Price Change (YoY) 89
Structural Poverty 43.5
Unemployment Rate 52
Poverty Rate 55
Income vs. State Median 22
Child Poverty Rate 61
Disability Rate 50
Transfer Income Dependency 36
Legal Distress 20.3
Bankruptcy Filing Rate 20

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Victoria County
Victoria County, TX 73.8 Serious —
Refugio County, TX 75.5 Serious +1.7
DeWitt County, TX 64.2 Elevated -9.7
Jackson County, TX 62.0 Elevated -11.8
Calhoun County, TX 56.0 Elevated -17.8
Goliad County, TX 46.9 Normal -26.9
Lavaca County, TX 36.7 Normal -37.1

Population Peers

CountyScoreZonevs. Victoria County
Harrison County, MS 73.8 Serious -0.0
Kaufman County, TX 73.8 Serious -0.1
Hunt County, TX 73.6 Serious -0.2
Gregg County, TX 74.0 Serious +0.2
Henderson County, TX 73.6 Serious -0.2

Download Data

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

Find Help in Victoria 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 Victoria 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 Victoria County, Texas?

    Victoria County has a County Distress Index score of 73.8 out of 100, placing it in the Serious zone. It ranks 232nd nationally out of 3,144 counties and 27th in Texas out of 254 counties.

  • What drives financial distress in Victoria County?

    The primary driver of distress in Victoria County is Consumer Credit Distress, where the county scores 87.5 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Victoria County compare to neighboring counties?

    Victoria County (73.8) can be compared to its 6 neighboring counties: Refugio County, TX (75.5); DeWitt County, TX (64.2); Jackson County, TX (62.0).

  • 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). Victoria County's score of 73.8 sits in the Serious zone (71–86).

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

    Victoria 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 Victoria County?

    Victoria County, Texas has a population of approximately 91,664 (2023 Census estimate), classified as a mid county.