Deaf Smith County, Texas
Above the national median for subprime credit share.
Main Findings
Deaf Smith County, Texas ranks 969th most distressed in the United States on the County Distress Index. The driver: 39% of residents carry subprime credit (score below 660) — above the national median of 23%. Its highest-scoring domain is Delinquency.
- 969th of 3,144 counties on the County Distress Index — 61.4 · moderate-high county distress, 126th in Texas.
- 39% of residents carry subprime credit (score below 660) (U.S. median 23%). Subprime credit share at the 95th percentile nationally. Source: Federal Reserve Bank of St. Louis, Equifax (2025).
- Uninsured rate at 20% — national median 8%, ranked at the 95th percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
- Debt in collections at 40% — national median 23%, ranked at the 95th percentile. Source: Urban Institute Debt in America (2025).
- Severe rent burden (50%+) at 19% — national median 18%, ranked at the 56th percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
Unemployment is 4%, near the national median of 4%, while subprime credit share runs at the 95th percentile. Jobs exist; wages don't close the gap.
Neighbors span three CDI score labels. The 27-point drop to Randall County marks where the Texas distress corridor ends.
Deaf Smith 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.
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, ACS 5-year (2023), Deaf Smith County's disability rate indicator is at the 5th percentile. American Default Research's CDI places every other indicator in the Safety Net & Buffer domain at or above the 58th percentile. The gap stands out against uninsured rate. Worth a call to the source agency or a local subject-matter contact in Hereford.
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 Deaf Smith County's CDI Score
Every number traces to a public source. Deaf Smith County's value shown alongside TX's median and the U.S. median. Full CSV available for download.
| Indicator | Deaf Smith | TX median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 88 · Rank 280 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 7% | 7% | 5% | 76th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 10% | 7% | 5% | 94th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 39% | 32% | 23% | 95th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 55 · Rank 1,325 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 40% | 35% | 23% | 95th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 60 | 78 | 126 | 15th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 54 · Rank 1,333 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 21% | 22% | 21% | 53rd | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 19% | 17% | 18% | 56th | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 49 · Rank 1,534 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 49th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 60 · Rank 1,191 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 22% | 22% | 18% | 71st | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 8% | 16% | 16% | 5th | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 16% | 15% | 14% | 70th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 20% | 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 Deaf Smith County data — in under 60 seconds.
Draft wire copy 132-word AP-style article — use freely with attribution
HEREFORD, Texas — Deaf Smith County ranks 969th 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 61.4 out of 100 gives Deaf Smith a moderate-high county distress label. Among 3,144 U.S. counties scored, 968 counties rank more distressed. Within Texas, Deaf Smith ranks 126th 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 Deaf Smith. 39% of residents carry subprime credit (score below 660) — above the national median of 23%.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Deaf Smith County's CDI score, and what does it mean?
What drives Deaf Smith County's distress score?
How does Deaf Smith County compare to its neighbors?
How is the County Distress Index calculated?
Deaf Smith County resident looking for help? HUD counselors, legal aid, and attorney referrals →