Young County, Texas

County Distress Index: Normal · 47.2 | 18,124 people · 221st most distressed in Texas
American Default Research

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Young County, TX falls within the normal range for household financial distress at 47.2 — 1767th nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where debt and delinquency levels sit above the national average. Within Texas, it ranks 221st of 254 counties. Among its 6 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Young County's primary driver is Consumer Credit Distress at 64.0 — above the national median.

Consumer Credit Distress Primary driver 64.0
Debt in Collections 67
Medical Debt 85
Auto Loan Delinquency 33
Credit Card Delinquency 63
Uninsured Rate 95
Subprime Credit Population 63
Structural Poverty 45.2
Unemployment Rate 27
Poverty Rate 58
Income vs. State Median 35
Child Poverty Rate 61
Disability Rate 57
Transfer Income Dependency 39
Housing Cost Burden 30.2
Rent-Burdened (30%+) 22
Severely Rent-Burdened (50%+) 29
Mortgage-Burdened (30%+) 21
Homeownership Rate 58
Legal Distress 27.1
Bankruptcy Filing Rate 27
Economic Vitality 20.6
Wage-to-Rent Ratio 7
Rent-to-Income Ratio 25
Business Formation Rate 31
House Price Change (YoY) 59

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Young County
Young County, TX 47.2 Normal —
Palo Pinto County, TX 72.2 Serious +25.0
Baylor County, TX 64.1 Elevated +16.9
Stephens County, TX 63.4 Elevated +16.2
Jack County, TX 59.7 Elevated +12.5
Throckmorton County, TX 57.9 Elevated +10.8
Archer County, TX 37.6 Normal -9.6

Population Peers

CountyScoreZonevs. Young County
Nelson County, KY 47.2 Normal 0.0
Braxton County, WV 47.2 Normal +0.0
Lawrence County, MO 47.1 Normal -0.0
Adams County, WI 47.3 Normal +0.1
Finney County, KS 47.1 Normal -0.1

Download Data

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

Find Help in Young 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 Young 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.

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Frequently Asked Questions

  • What is the distress score for Young County, Texas?

    Young County has a County Distress Index score of 47.2 out of 100, placing it in the Normal zone. It ranks 1,767th nationally out of 3,144 counties and 221st in Texas out of 254 counties.

  • What drives financial distress in Young County?

    The primary driver of distress in Young County is Consumer Credit Distress, where the county scores 64.0 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Young County compare to neighboring counties?

    Young County (47.2) can be compared to its 6 neighboring counties: Palo Pinto County, TX (72.2); Baylor County, TX (64.1); Stephens County, TX (63.4).

  • 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). Young County's score of 47.2 sits in the Normal zone (46–55).

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

    Young 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 Young County?

    Young County, Texas has a population of approximately 18,124 (2023 Census estimate), classified as a small county.