Bandera County, Texas

County Distress Index: Elevated · 54.0 | 22,637 people · 167th most distressed in Texas

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Bandera County, TX registers elevated household financial distress with a score of 54.0 — 1292nd nationally out of 3144 counties. The primary driver is Community Vulnerability, where uninsured and disability rates are well above the national average. Within Texas, it ranks 167th 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. Bandera County's primary driver is Community Vulnerability at 80.5 — worse than roughly 81% of U.S. counties.

Community Vulnerability Primary driver 80.5
Uninsured Rate 78
Disability Rate 83
Employment & Wages 53.4
Unemployment Rate 49
Wage-to-Rent Ratio 94
Business Formation Rate 17
Debt & Delinquency 51.9
Debt in Collections 57
Medical Debt 64
Student Loan Delinquency 80
Auto Loan Delinquency 21
Credit Card Delinquency 25
Bankruptcy Filing Rate 66
Income & Poverty 42.1
Poverty Rate 45
Income vs. State Median 28
Child Poverty Rate 54
Housing Cost Burden 41.9
Rent-Burdened (30%+) 19
Severely Rent-Burdened (50%+) 35
Mortgage-Burdened (30%+) 71
Homeownership Rate 2
Rent-to-Income Ratio 83

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Bandera County
Bandera County, TX 54.0 Elevated
Uvalde County, TX 76.2 Serious +22.2
Real County, TX 70.6 Serious +16.6
Bexar County, TX 62.9 Elevated +8.9
Medina County, TX 57.3 Elevated +3.3
Kerr County, TX 50.6 Elevated -3.4
Kendall County, TX 34.8 Healthy -19.2

Population Peers

County Score Zone vs. Bandera County
Lincoln County, KY 54.0 Elevated -0.0
Avery County, NC 54.0 Elevated +0.0
Taylor County, KY 53.9 Elevated -0.0
Jennings County, IN 53.9 Elevated -0.1
Hutchinson County, TX 53.9 Elevated -0.1

Download Data

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

Find Help in Bandera County

Find an Attorney

State Bar of Texas — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Free Legal Aid

Legal aid organizations serving Bandera County residents at no cost.

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.