Caldwell County, Texas

County Distress Index: Elevated · 63.6 | 49,859 people · 87th most distressed in Texas

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Caldwell County, TX registers elevated household financial distress with a score of 63.6 — 590th 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 87th of 254 counties. It scores higher than all 6 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Caldwell County's primary driver is Debt & Delinquency at 77.7 — worse than roughly 78% of U.S. counties.

Debt & Delinquency Primary driver 77.7
Debt in Collections 92
Medical Debt 97
Student Loan Delinquency 95
Auto Loan Delinquency 83
Credit Card Delinquency 88
Bankruptcy Filing Rate 12
Housing Cost Burden 67.5
Rent-Burdened (30%+) 53
Severely Rent-Burdened (50%+) 53
Mortgage-Burdened (30%+) 76
Homeownership Rate 56
Rent-to-Income Ratio 99
Community Vulnerability 67.2
Uninsured Rate 99
Disability Rate 35
Employment & Wages 56.2
Unemployment Rate 38
Wage-to-Rent Ratio 97
Business Formation Rate 34
Income & Poverty 49.3
Poverty Rate 51
Income vs. State Median 38
Child Poverty Rate 58

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Caldwell County
Caldwell County, TX 63.6 Elevated
Gonzales County, TX 61.2 Elevated -2.4
Bastrop County, TX 53.1 Elevated -10.5
Hays County, TX 48.8 Normal -14.8
Guadalupe County, TX 41.7 Normal -21.9
Travis County, TX 39.8 Normal -23.8
Fayette County, TX 39.0 Normal -24.5

Population Peers

County Score Zone vs. Caldwell County
Vernon Parish, LA 63.6 Elevated +0.0
Curry County, NM 63.6 Elevated +0.0
Fayette County, WV 63.6 Elevated +0.0
Scott County, VA 63.6 Elevated +0.1
Clay County, AR 63.7 Elevated +0.1

Download Data

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Find Help in Caldwell 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 Caldwell 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.

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