Andrews County, Texas

County Distress Index: Normal · 41.5 | 18,664 people · 228th most distressed in Texas
American Default Research

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Andrews County, TX falls within the normal range for household financial distress at 41.5 — 2247th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Texas, it ranks 228th of 254 counties. Among its 6 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Andrews County's primary driver is Debt & Delinquency at 70.5 — above the national median.

Debt & Delinquency Primary driver 70.5
Debt in Collections 93
Medical Debt 92
Student Loan Delinquency 95
Auto Loan Delinquency 61
Credit Card Delinquency 77
Bankruptcy Filing Rate 5
Community Vulnerability 53.6
Uninsured Rate 95
Disability Rate 12
Housing Cost Burden 39.1
Rent-Burdened (30%+) 7
Severely Rent-Burdened (50%+) 14
Mortgage-Burdened (30%+) 84
Homeownership Rate 40
Rent-to-Income Ratio 51
Income & Poverty 22.3
Poverty Rate 32
Income vs. State Median 9
Child Poverty Rate 26
Employment & Wages 22.1
Unemployment Rate 23
Wage-to-Rent Ratio 16
Business Formation Rate 27

Scores are percentile-based: 50 = national median, higher = more distressed. The median line is shown on each bar.

Neighbors and Peers

How Andrews County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Andrews County
Andrews County, TX 41.5 Normal —
Ector County, TX 56.1 Elevated +14.5
Lea County, NM 53.9 Elevated +12.4
Midland County, TX 45.4 Normal +3.8
Martin County, TX 42.6 Normal +1.1
Gaines County, TX 38.7 Normal -2.9
Winkler County, TX 34.8 Healthy -6.8

Population Peers

County Score Zone vs. Andrews County
Park County, MT 41.5 Normal 0.0
Callaway County, MO 41.5 Normal +0.0
Koochiching County, MN 41.6 Normal +0.0
Logan County, OH 41.6 Normal +0.0
Uintah County, UT 41.5 Normal -0.0

Download Data

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

Find Help in Andrews 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 Andrews 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.

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Frequently Asked Questions

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

    Andrews County has a County Distress Index score of 41.5 out of 100, placing it in the Normal zone. It ranks 2,247th nationally out of 3,144 counties and 228th in Texas out of 254 counties.

  • What drives financial distress in Andrews County?

    The primary driver of distress in Andrews County is Debt & Delinquency, where the county scores 70.5 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Andrews County compare to neighboring counties?

    Andrews County (41.5) can be compared to its 6 neighboring counties: Ector County, TX (56.1); Lea County, NM (53.9); Midland County, TX (45.4).

  • How is the County Distress Index calculated?

    The County Distress Index uses percentile-rank averaging across five domains: Debt & Delinquency, Income & Poverty, Housing Cost Burden, Employment & Wages, and Community Vulnerability. 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.

  • What is the population of Andrews County?

    Andrews County, Texas has a population of approximately 18,664 (2023 Census estimate), classified as a small county.