Cooke County, Texas

County Distress Index: Elevated · 53.4 | 43,782 people · 172nd most distressed in Texas

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Cooke County, TX registers elevated household financial distress with a score of 53.4 — 1340th nationally out of 3144 counties. The primary driver is Community Vulnerability, where uninsured and disability rates are well above the national average. Within Texas, it ranks 172nd 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. Cooke County's primary driver is Community Vulnerability at 67.3 — above the national median.

Community Vulnerability Primary driver 67.3
Uninsured Rate 90
Disability Rate 44
Debt & Delinquency 65.0
Debt in Collections 80
Medical Debt 98
Student Loan Delinquency 52
Auto Loan Delinquency 69
Credit Card Delinquency 52
Bankruptcy Filing Rate 39
Housing Cost Burden 61.5
Rent-Burdened (30%+) 66
Severely Rent-Burdened (50%+) 60
Mortgage-Burdened (30%+) 79
Homeownership Rate 61
Rent-to-Income Ratio 41
Income & Poverty 36.8
Poverty Rate 41
Income vs. State Median 14
Child Poverty Rate 55
Employment & Wages 36.5
Unemployment Rate 23
Wage-to-Rent Ratio 42
Business Formation Rate 45

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Cooke County
Cooke County, TX 53.4 Elevated
Montague County, TX 62.6 Elevated +9.2
Love County, OK 58.6 Elevated +5.2
Grayson County, TX 57.2 Elevated +3.7
Wise County, TX 43.9 Normal -9.5
Denton County, TX 43.5 Normal -10.0

Population Peers

County Score Zone vs. Cooke County
Wayne County, IL 53.4 Elevated 0.0
Wexford County, MI 53.4 Elevated +0.0
Lewis County, WV 53.5 Elevated +0.1
Adams County, WI 53.3 Elevated -0.1
Knox County, IN 53.3 Elevated -0.1

Download Data

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Find Help in Cooke 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 Cooke 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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