Camp County, Texas
Above the national median for auto loan delinquency.
Main Findings
Camp County, Texas ranks 620th most distressed in the United States on the County Distress Index. The driver: 9% of auto loan accounts are 60+ days past due — above the national median of 5%. Its highest-scoring domain is Delinquency.
- 620th of 3,144 counties on the County Distress Index — 67.8 · moderate-high county distress, 79th in Texas.
- 9% of auto loan accounts are 60+ days past due (U.S. median 5%). Auto loan delinquency at the 87th percentile nationally. Source: Urban Institute Debt in America (2025).
- Uninsured rate at 22% — national median 8%, ranked at the 95th percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
- Unemployment at 5% — national median 4%, ranked at the 80th percentile. Source: U.S. Bureau of Labor Statistics, LAUS (May 2026).
- Debt in collections at 32% — national median 23%, ranked at the 79th percentile. Source: Urban Institute Debt in America (2025).
Neighbors span three CDI score labels. The 27-point drop to Franklin County marks where the Texas distress corridor ends.
"Camp 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 Camp County's CDI Score
Every number traces to a public source. Camp County's value shown alongside TX's median and the U.S. median. Full CSV available for download.
| Indicator | Camp | TX median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 83 · Rank 430 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 9% | 7% | 5% | 87th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 7% | 7% | 5% | 78th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 34% | 32% | 23% | 84th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 49 · Rank 1,593 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 32% | 35% | 23% | 79th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 69 | 78 | 126 | 19th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 46 · Rank 1,740 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 22% | 22% | 21% | 56th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 15% | 17% | 18% | 35th | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 80 · Rank 610 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 5% | 4% | 4% | 80th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 82 · Rank 314 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 26% | 22% | 18% | 83rd | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 19% | 16% | 16% | 76th | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 18% | 15% | 14% | 76th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 22% | 17% | 8% | 95th | 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 Camp County data — in under 60 seconds.
Draft wire copy 146-word AP-style article — use freely with attribution
PITTSBURG, Texas — Camp County ranks 620th 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 67.8 out of 100 gives Camp a moderate-high county distress label. Among 3,144 U.S. counties scored, 619 counties rank more distressed. Within Texas, Camp ranks 79th 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 Camp. 9% of auto loan accounts are 60+ days past due — above the national median of 5%.
"Camp County has a moderate-high county distress score. The domain mix shows whether pressure is concentrated or spread across the profile," 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 Camp County's CDI score, and what does it mean?
What drives Camp County's distress score?
How does Camp County compare to its neighbors?
How is the County Distress Index calculated?
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