Caldwell County, Texas
Above the national median for subprime credit share.
Main Findings
Caldwell County, Texas ranks 726th most distressed in the United States on the County Distress Index. The driver: 39% of residents carry subprime credit (score below 660) — above the national median of 23%. Its highest-scoring domain is Delinquency.
- 726th of 3,144 counties on the County Distress Index — 65.6 · moderate-high county distress, 99th in Texas.
- 39% of residents carry subprime credit (score below 660) (U.S. median 23%). Subprime credit share at the 94th percentile nationally. Source: Federal Reserve Bank of St. Louis, Equifax (2025).
- Rent-to-income ratio at 35% — national median 21%, ranked at the 99th percentile. Source: HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023).
- Uninsured rate at 25% — national median 8%, ranked at the 99th percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
- Unemployment at 4% — national median 4%, ranked at the 53rd percentile. Source: U.S. Bureau of Labor Statistics, LAUS (May 2026).
Unemployment is 4%, near the national median of 4%, while subprime credit share runs at the 94th percentile. Jobs exist; wages don't close the gap.
Caldwell County has a moderate-high county distress score. The domain mix shows whether pressure is concentrated or spread across the profile.
The CDI gives this county a moderate-high county distress label. The domain table shows whether the score comes from debt, labor, safety-net pressure, or a mix. Its highest-scoring domain is Delinquency.
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Caldwell County's CDI Score
Every number traces to a public source. Caldwell County's value shown alongside TX's median and the U.S. median. Full CSV available for download.
| Indicator | Caldwell | TX median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 88 · Rank 285 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 8% | 7% | 5% | 83rd | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 8% | 7% | 5% | 88th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 39% | 32% | 23% | 94th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 52 · Rank 1,455 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 38% | 35% | 23% | 92nd | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 56 | 78 | 126 | 12th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 76 · Rank 523 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 35% | 22% | 21% | 99th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 18% | 17% | 18% | 53rd | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 53 · Rank 1,407 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 53rd | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 58 · Rank 1,237 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 19% | 22% | 18% | 58th | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 14% | 16% | 16% | 35th | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 14% | 15% | 14% | 51st | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 25% | 17% | 8% | 99th | U.S. Census Bureau, ACS 5-year (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), FRED/Equifax (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (Local Area Unemployment Statistics), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2022 to 2026 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Caldwell County data — in under 60 seconds.
Draft wire copy 128-word AP-style article — use freely with attribution
LOCKHART, Texas — Caldwell County ranks 726th 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 65.6 out of 100 gives Caldwell a moderate-high county distress label. Among 3,144 U.S. counties scored, 725 counties rank more distressed. Within Texas, Caldwell ranks 99th of 254 counties.
The index, which draws on 13 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies delinquency as the primary driver in Caldwell. 39% of residents carry subprime credit (score below 660) — above the national median of 23%.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Caldwell County's CDI score, and what does it mean?
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How does Caldwell County compare to its neighbors?
How is the County Distress Index calculated?
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