Callahan County, Texas
Above the national median of residents with debt in collections — and 17.0× the rate of the healthiest U.S. county (Logan County, ND — 2%).
Main Findings
Callahan County, Texas ranks 1,625th most distressed in the United States on the County Distress Index. The driver: 33% of residents with a credit file carry debt in collections — above the national median of 23%.
- 1,625th of 3,144 counties on the County Distress Index — Middle fifth, 182nd in Texas.
- 33% of residents with a credit file carry debt in collections (U.S. median 23%). Debt in collections at the 81st percentile nationally.
- Uninsured rate at 16% — national median 8%, ranked at the 91st percentile.
- Subprime credit share at 28% — national median 23%, ranked at the 68th percentile.
- Rent-to-income ratio at 24% — national median 21%, ranked at the 75th percentile.
Neighbors span three CDI distress fifths. The 24-point drop to Shackelford County marks where the Texas distress corridor ends.
"Callahan 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 Callahan County's CDI Score
Every number traces to a public source. Callahan County's value shown alongside TX's median and the U.S. median. Full CSV available for download.
| Indicator | Callahan | TX median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 57 · Rank 1,297 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 4% | 7% | 5% | 37th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 7% | 7% | 5% | 67th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 28% | 32% | 23% | 68th | Urban Institute (2024) |
| Default & Legal — domain score 58 · Rank 1,196 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 33% | 35% | 23% | 81st | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 97 | 78 | 126 | 35th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 51 · Rank 1,498 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 24% | 22% | 21% | 75th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 14% | 17% | 18% | 27th | Census ACS 5-yr (2023) |
| Labor — domain score 24 · Rank 2,414 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 3% | 4% | 4% | 24th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 57 · Rank 1,272 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 18% | 22% | 18% | 50th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 19% | 16% | 16% | 75th | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 13% | 15% | 14% | 43rd | 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 | 16% | 17% | 8% | 91st | 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 Callahan County data — in under 60 seconds.
Draft wire copy 155-word AP-style article — use freely with attribution
BAIRD, Texas — Callahan County ranks 1,625th 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 50 out of 100 places Callahan in the middle fifth. Among 3,144 U.S. counties scored, 1,624 counties rank more distressed. Within Texas, Callahan ranks 182nd 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 default & legal as the primary driver in Callahan. 33% of residents with a credit file carry debt in collections — above the national median of 23%.
"Callahan 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 Callahan County's CDI score, and what does it mean?
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How is the County Distress Index calculated?
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