Bandera County, Texas
Near the national median for unemployment — and 13.0× the rate of the healthiest U.S. county (Loving County, TX — 0%).
Main Findings
Bandera County, Texas ranks 1,454th most distressed in the United States on the County Distress Index. The driver: 4% of the labor force is unemployed — near the national median of 4%.
- 1,454th of 3,144 counties on the County Distress Index — Middle fifth, 167th in Texas.
- 4% of the labor force is unemployed (U.S. median 4%). Unemployment at the 62nd percentile nationally.
- Bankruptcy filing rate at 168 — national median 126, ranked at the 66th percentile.
- Rent-to-income ratio at 26% — national median 21%, ranked at the 83rd percentile.
- Disability rate at 20% — national median 16%, ranked at the 83rd percentile.
Neighbors span four CDI distress fifths. The 40-point drop to Kendall County marks where the Texas distress corridor ends.
"Bandera County ranks in the middle fifth of U.S. counties. The county sits near the national center of the CDI distribution, so the domain mix carries the story."
"The CDI places this county in the middle fifth nationally. The county sits near the center of the geography distribution, so the domain mix matters more than the composite alone."
The Indicators Behind Bandera County's CDI Score
Every number traces to a public source. Bandera County's value shown alongside TX's median and the U.S. median. Full CSV available for download.
| Indicator | Bandera | TX median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 29 · Rank 2,277 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 3% | 7% | 5% | 21st | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 4% | 7% | 5% | 24th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 22% | 32% | 23% | 43rd | Urban Institute (2024) |
| Default & Legal — domain score 61 · Rank 1,054 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 25% | 35% | 23% | 57th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 168 | 78 | 126 | 66th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 59 · Rank 1,156 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 26% | 22% | 21% | 83rd | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 15% | 17% | 18% | 35th | Census ACS 5-yr (2023) |
| Labor — domain score 62 · Rank 1,241 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 62nd | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 52 · Rank 1,511 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 19% | 22% | 18% | 54th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 20% | 16% | 16% | 83rd | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 13% | 15% | 14% | 45th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 28% | 26% | 27% | 53rd | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 12% | 17% | 8% | 78th | Census ACS 5-yr (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Bandera County data — in under 60 seconds.
Draft wire copy 149-word AP-style article — use freely with attribution
BANDERA, Texas — Bandera County ranks 1,454th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 53 out of 100 places Bandera in the middle fifth. Among 3,144 U.S. counties scored, 1,453 counties rank more distressed. Within Texas, Bandera ranks 167th of 254 counties.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies labor as the primary driver in Bandera. 4% of the labor force is unemployed — near the national median of 4%.
"Bandera County ranks in the middle fifth of U.S. counties. The county sits near the national center of the CDI distribution, so the domain mix carries the story," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Bandera County's CDI score, and what does it mean?
What drives Bandera County's distress score?
How does Bandera County compare to its neighbors?
How is the County Distress Index calculated?
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