Caldwell County, Texas
Above the national median for subprime credit share.
Main Findings
Caldwell County, Texas ranks 855th 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%.
- 855th of 3,144 counties on the County Distress Index — Second-most distressed fifth, 106th in Texas.
- 39% of residents carry subprime credit (score below 660) (U.S. median 23%). Subprime credit share at the 94th percentile nationally.
- Rent-to-income ratio at 35% — national median 21%, ranked at the 99th percentile.
- Uninsured rate at 25% — national median 8%, ranked at the 99th percentile.
- Debt in collections at 38% — national median 23%, ranked at the 92nd percentile.
Unemployment is 3%, 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 ranks in the second-most distressed fifth of U.S. counties. The score is above the national county midpoint, with the domain table showing the local pressure mix."
"The CDI places this county in the second-most distressed fifth nationally. The county sits above the median distress position, with the five-domain profile showing which local pressures carry the score."
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 (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 8% | 7% | 5% | 88th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 39% | 32% | 23% | 94th | Urban Institute (2024) |
| 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 (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 56 | 78 | 126 | 12th | US 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 × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 18% | 17% | 18% | 53rd | Census ACS 5-yr (2023) |
| Labor — domain score 43 · Rank 1,825 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 3% | 4% | 4% | 43rd | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 55 · Rank 1,378 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 19% | 22% | 18% | 58th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 14% | 16% | 16% | 35th | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 14% | 15% | 14% | 51st | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 24% | 26% | 27% | 36th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 25% | 17% | 8% | 99th | 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 Caldwell County data — in under 60 seconds.
Draft wire copy 152-word AP-style article — use freely with attribution
LOCKHART, Texas — Caldwell County ranks 855th 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 63 out of 100 places Caldwell in the second-most distressed fifth. Among 3,144 U.S. counties scored, 854 counties rank more distressed. Within Texas, Caldwell ranks 106th 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 delinquency as the primary driver in Caldwell. 39% of residents carry subprime credit (score below 660) — above the national median of 23%.
"Caldwell County ranks in the second-most distressed fifth of U.S. counties. The score is above the national county midpoint, with the domain table showing the local pressure mix," 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 Caldwell County's CDI score, and what does it mean?
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How is the County Distress Index calculated?
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