Yoakum County, Texas

County Distress Index: Normal · 42.8 | 7,468 people · 241st most distressed in Texas
American Default Research

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Yoakum County, TX falls within the normal range for household financial distress at 42.8 — 2028th 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 241st of 254 counties. Among its 5 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Yoakum County's primary driver is Consumer Credit Distress at 68.8 — above the national median.

Consumer Credit Distress Primary driver 68.8
Debt in Collections 81
Medical Debt 95
Auto Loan Delinquency 12
Credit Card Delinquency 55
Uninsured Rate 95
Subprime Credit Population 87
Structural Poverty 32.3
Unemployment Rate 27
Poverty Rate 46
Income vs. State Median 34
Child Poverty Rate 45
Disability Rate 28
Transfer Income Dependency 20
Economic Vitality 30.3
Wage-to-Rent Ratio 5
Rent-to-Income Ratio 58
Business Formation Rate 33
House Price Change (YoY) 70
Housing Cost Burden 11.3
Rent-Burdened (30%+) 5
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 5
Homeownership Rate 45
Legal Distress 5.0
Bankruptcy Filing Rate 5

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Yoakum County
Yoakum County, TX 42.8 Normal —
Terry County, TX 76.8 Serious +34.0
Hockley County, TX 64.3 Elevated +21.6
Lea County, NM 63.6 Elevated +20.9
Cochran County, TX 61.1 Elevated +18.4
Gaines County, TX 40.7 Normal -2.1

Population Peers

CountyScoreZonevs. Yoakum County
Ziebach County, SD 42.8 Normal 0.0
Craig County, VA 42.7 Normal -0.1
Ochiltree County, TX 42.9 Normal +0.2
Surry County, VA 42.6 Normal -0.2
Sheridan County, MT 42.5 Normal -0.2

Download Data

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

Find Help in Yoakum 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 Yoakum 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 Yoakum County, Texas?

    Yoakum County has a County Distress Index score of 42.8 out of 100, placing it in the Normal zone. It ranks 2,028th nationally out of 3,144 counties and 241st in Texas out of 254 counties.

  • What drives financial distress in Yoakum County?

    The primary driver of distress in Yoakum County is Consumer Credit Distress, where the county scores 68.8 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Yoakum County compare to neighboring counties?

    Yoakum County (42.8) can be compared to its 5 neighboring counties: Terry County, TX (76.8); Hockley County, TX (64.3); Lea County, NM (63.6).

  • 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 Normal 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). Yoakum County's score of 42.8 sits in the Normal zone (46–55).

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

    Yoakum 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 Yoakum County?

    Yoakum County, Texas has a population of approximately 7,468 (2023 Census estimate), classified as a tiny county.