Baylor County, Texas

County Distress Index: Serious · 66.1 | 3,463 people · 69th most distressed in Texas
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Baylor County, TX shows significant household financial distress with a score of 66.1 — 433rd 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 69th of 254 counties. Its score is in the middle of its 8 neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Baylor County's primary driver is Community Vulnerability at 93.9 — worse than roughly 94% of U.S. counties.

Community Vulnerability Primary driver 93.9
Uninsured Rate 95
Disability Rate 93
Income & Poverty 78.3
Poverty Rate 75
Income vs. State Median 88
Child Poverty Rate 72
Debt & Delinquency 74.5
Debt in Collections 94
Medical Debt 74
Student Loan Delinquency 80
Auto Loan Delinquency 74
Credit Card Delinquency 67
Bankruptcy Filing Rate 58
Housing Cost Burden 62.9
Rent-Burdened (30%+) 37
Severely Rent-Burdened (50%+) 39
Mortgage-Burdened (30%+) 88
Homeownership Rate 80
Rent-to-Income Ratio 71
Employment & Wages 21.0
Unemployment Rate 16
Wage-to-Rent Ratio 24
Business Formation Rate 23

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

Neighbors and Peers

How Baylor County compares to its 8 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Baylor County
Baylor County, TX 66.1 Serious —
Foard County, TX 74.2 Serious +8.1
Wilbarger County, TX 67.3 Serious +1.1
Haskell County, TX 67.3 Serious +1.1
Wichita County, TX 67.2 Serious +1.0
Knox County, TX 57.6 Elevated -8.6
Throckmorton County, TX 56.2 Elevated -9.9
Young County, TX 48.2 Normal -18.0
Archer County, TX 44.8 Normal -21.4

Population Peers

County Score Zone vs. Baylor County
Lafayette County, FL 66.2 Serious +0.1
Dallas County, AR 66.0 Serious -0.1
Yukon-Koyukuk Census Area, AK 65.9 Serious -0.2
Lafayette County, AR 66.3 Serious +0.2
Greer County, OK 66.3 Serious +0.2

Download Data

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

Find Help in Baylor 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 Baylor 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 Baylor County, Texas?

    Baylor County has a County Distress Index score of 66.1 out of 100, placing it in the Serious zone. It ranks 433rd nationally out of 3,144 counties and 69th in Texas out of 254 counties.

  • What drives financial distress in Baylor County?

    The primary driver of distress in Baylor County is Community Vulnerability, where the county scores 93.9 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Baylor County compare to neighboring counties?

    Baylor County (66.1) can be compared to its 8 neighboring counties: Foard County, TX (74.2); Wilbarger County, TX (67.3); Haskell County, TX (67.3).

  • 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 Baylor County?

    Baylor County, Texas has a population of approximately 3,463 (2023 Census estimate), classified as a tiny county.