Chambers County, Texas

County Distress Index: Normal · 38.7 | 53,876 people · 237th most distressed in Texas

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Chambers County, TX falls within the normal range for household financial distress at 38.7 — 2424th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where debt and delinquency levels sit above the national average. Within Texas, it ranks 237th of 254 counties. It scores lower than all 4 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Chambers County's primary driver is Debt & Delinquency at 57.3 — above the national median.

Debt & Delinquency Primary driver 57.3
Debt in Collections 72
Medical Debt 75
Student Loan Delinquency 50
Auto Loan Delinquency 49
Credit Card Delinquency 62
Bankruptcy Filing Rate 36
Employment & Wages 51.4
Unemployment Rate 82
Wage-to-Rent Ratio 46
Business Formation Rate 26
Community Vulnerability 50.0
Uninsured Rate 91
Disability Rate 9
Housing Cost Burden 27.1
Rent-Burdened (30%+) 22
Severely Rent-Burdened (50%+) 31
Mortgage-Burdened (30%+) 52
Homeownership Rate 9
Rent-to-Income Ratio 22
Income & Poverty 7.9
Poverty Rate 10
Income vs. State Median 2
Child Poverty Rate 12

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

Neighbors and Peers

How Chambers County compares to its 4 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Chambers County
Chambers County, TX 38.7 Normal
Liberty County, TX 67.5 Serious +28.8
Jefferson County, TX 66.8 Serious +28.1
Harris County, TX 59.2 Elevated +20.4
Galveston County, TX 55.8 Elevated +17.0

Population Peers

County Score Zone vs. Chambers County
Adams County, PA 38.7 Normal -0.0
Rockwall County, TX 38.7 Normal -0.0
Alexandria city, VA 38.8 Normal +0.1
Fayette County, GA 38.7 Normal -0.1
Jessamine County, KY 38.6 Normal -0.1

Download Data

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Find Help in Chambers 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 Chambers 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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