Webb County, Texas

County Distress Index: Serious · 78.4 | 269,148 people · 6th most distressed in Texas
American Default Research

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Webb County, TX shows significant household financial distress with a score of 78.4 — 96th 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 6th of 254 counties. It scores higher than all 7 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Webb County's primary driver is Consumer Credit Distress at 91.5 — worse than roughly 92% of U.S. counties.

Consumer Credit Distress Primary driver 91.5
Debt in Collections 99
Medical Debt 97
Auto Loan Delinquency 84
Credit Card Delinquency 76
Uninsured Rate 99
Subprime Credit Population 96
Housing Cost Burden 87.3
Rent-Burdened (30%+) 87
Severely Rent-Burdened (50%+) 87
Mortgage-Burdened (30%+) 90
Homeownership Rate 87
Economic Vitality 70.2
Wage-to-Rent Ratio 80
Rent-to-Income Ratio 74
Business Formation Rate 41
House Price Change (YoY) 65
Structural Poverty 60.0
Unemployment Rate 61
Poverty Rate 92
Income vs. State Median 61
Child Poverty Rate 93
Disability Rate 27
Transfer Income Dependency 39
Legal Distress 10.9
Bankruptcy Filing Rate 11

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Webb County
Webb County, TX 78.4 Serious —
Maverick County, TX 75.9 Serious -2.4
Jim Hogg County, TX 73.6 Serious -4.8
Zapata County, TX 73.3 Serious -5.1
Dimmit County, TX 72.8 Serious -5.5
Duval County, TX 68.7 Serious -9.7
La Salle County, TX 62.0 Elevated -16.4
McMullen County, TX 52.9 Elevated -25.5

Population Peers

CountyScoreZonevs. Webb County
Henry County, GA 78.3 Serious -0.0
Cameron County, TX 78.3 Serious -0.1
Orleans Parish, LA 78.2 Serious -0.2
El Paso County, TX 78.0 Serious -0.3
Polk County, FL 79.0 Serious +0.6

Download Data

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

Find Help in Webb County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Webb County.

LAREDO-WEBB NEIGHBORHOOD HOUSING SERVICES
Laredo
956-712-9100 Website
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling

See all counselors in Texas →

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 Webb 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 Webb County, Texas?

    Webb County has a County Distress Index score of 78.4 out of 100, placing it in the Serious zone. It ranks 96th nationally out of 3,144 counties and 6th in Texas out of 254 counties.

  • What drives financial distress in Webb County?

    The primary driver of distress in Webb County is Consumer Credit Distress, where the county scores 91.5 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Webb County compare to neighboring counties?

    Webb County (78.4) can be compared to its 7 neighboring counties: Maverick County, TX (75.9); Jim Hogg County, TX (73.6); Zapata County, TX (73.3).

  • 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). Webb County's score of 78.4 sits in the Serious zone (71–86).

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

    Webb 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 Webb County?

    Webb County, Texas has a population of approximately 269,148 (2023 Census estimate), classified as a large county.