Comal County, Texas

County Distress Index: Normal · 39.8 | 193,928 people · 234th most distressed in Texas
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Comal County, TX falls within the normal range for household financial distress at 39.8 — 2361st nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing costs consume a moderate share of household income. Within Texas, it ranks 234th of 254 counties. Among its 5 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Comal County's primary driver is Housing Cost Burden at 53.5 — above the national median.

Housing Cost Burden Primary driver 53.5
Rent-Burdened (30%+) 82
Severely Rent-Burdened (50%+) 62
Mortgage-Burdened (30%+) 75
Homeownership Rate 36
Rent-to-Income Ratio 13
Community Vulnerability 52.9
Uninsured Rate 70
Disability Rate 35
Debt & Delinquency 44.2
Debt in Collections 40
Medical Debt 61
Student Loan Delinquency 26
Auto Loan Delinquency 45
Credit Card Delinquency 41
Bankruptcy Filing Rate 52
Employment & Wages 43.5
Unemployment Rate 38
Wage-to-Rent Ratio 78
Business Formation Rate 15
Income & Poverty 4.7
Poverty Rate 4
Income vs. State Median 2
Child Poverty Rate 8

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

Neighbors and Peers

How Comal County compares to its 5 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Comal County
Comal County, TX 39.8 Normal —
Bexar County, TX 62.9 Elevated +23.1
Hays County, TX 48.8 Normal +9.0
Guadalupe County, TX 41.7 Normal +1.9
Blanco County, TX 36.1 Normal -3.6
Kendall County, TX 34.8 Healthy -5.0

Population Peers

County Score Zone vs. Comal County
Lancaster County, SC 39.8 Normal +0.0
Carroll County, NH 39.7 Normal -0.1
Flathead County, MT 39.9 Normal +0.1
La Plata County, CO 39.6 Normal -0.1
Island County, WA 39.9 Normal +0.1

Download Data

Export all distress indicators for Comal County as a CSV file.

Find Help in Comal County

Find an Attorney

State Bar of Texas — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

State Bar of Texas — Lawyer Referral Service 1-800-252-9690

Free Legal Aid

Legal aid organizations serving Comal County residents at no cost.

Texas RioGrande Legal Aid 1-888-988-9996
Lone Star Legal Aid 1-800-733-8394
Legal Aid of NorthWest Texas (888) 529-5277

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.

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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Frequently Asked Questions

  • What is the distress score for Comal County, Texas?

    Comal County has a County Distress Index score of 39.8 out of 100, placing it in the Normal zone. It ranks 2,361st nationally out of 3,144 counties and 234th in Texas out of 254 counties.

  • What drives financial distress in Comal County?

    The primary driver of distress in Comal County is Housing Cost Burden, where the county scores 53.5 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Comal County compare to neighboring counties?

    Comal County (39.8) can be compared to its 5 neighboring counties: Bexar County, TX (62.9); Hays County, TX (48.8); Guadalupe County, TX (41.7).

  • How is the County Distress Index calculated?

    The County Distress Index uses percentile-rank averaging across five domains: Debt & Delinquency, Income & Poverty, Housing Cost Burden, Employment & Wages, and Community Vulnerability. Each county's indicators are ranked against all 3,144 U.S. counties. A score of 50 means the county is at the national median; higher scores indicate greater distress.

  • What is the population of Comal County?

    Comal County, Texas has a population of approximately 193,928 (2023 Census estimate), classified as a mid county.