Fannin County, Texas

County Distress Index: Elevated · 56.1 | 37,571 people · 147th most distressed in Texas
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Fannin County, TX registers elevated household financial distress with a score of 56.1 — 1137th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Texas, it ranks 147th of 254 counties. Among its 6 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Fannin County's primary driver is Debt & Delinquency at 78.9 — worse than roughly 79% of U.S. counties.

Debt & Delinquency Primary driver 78.9
Debt in Collections 91
Medical Debt 99
Student Loan Delinquency 87
Auto Loan Delinquency 53
Credit Card Delinquency 90
Bankruptcy Filing Rate 54
Community Vulnerability 62.8
Uninsured Rate 88
Disability Rate 38
Housing Cost Burden 48.8
Rent-Burdened (30%+) 30
Severely Rent-Burdened (50%+) 73
Mortgage-Burdened (30%+) 78
Homeownership Rate 44
Rent-to-Income Ratio 18
Income & Poverty 47.1
Poverty Rate 56
Income vs. State Median 28
Child Poverty Rate 57
Employment & Wages 43.0
Unemployment Rate 64
Wage-to-Rent Ratio 15
Business Formation Rate 50

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

Neighbors and Peers

How Fannin County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Fannin County
Fannin County, TX 56.1 Elevated —
Bryan County, OK 69.2 Serious +13.1
Lamar County, TX 68.2 Serious +12.1
Hunt County, TX 64.7 Elevated +8.6
Delta County, TX 62.5 Elevated +6.4
Grayson County, TX 57.2 Elevated +1.1
Collin County, TX 38.1 Normal -18.0

Population Peers

County Score Zone vs. Fannin County
Crawford County, MI 56.0 Elevated -0.1
Rains County, TX 56.0 Elevated -0.1
Montgomery County, KY 56.0 Elevated -0.1
Bates County, MO 56.2 Elevated +0.1
De Soto Parish, LA 56.0 Elevated -0.1

Download Data

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

Find Help in Fannin 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 Fannin 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 Fannin County, Texas?

    Fannin County has a County Distress Index score of 56.1 out of 100, placing it in the Elevated zone. It ranks 1,137th nationally out of 3,144 counties and 147th in Texas out of 254 counties.

  • What drives financial distress in Fannin County?

    The primary driver of distress in Fannin County is Debt & Delinquency, where the county scores 78.9 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Fannin County compare to neighboring counties?

    Fannin County (56.1) can be compared to its 6 neighboring counties: Bryan County, OK (69.2); Lamar County, TX (68.2); Hunt County, TX (64.7).

  • 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 Fannin County?

    Fannin County, Texas has a population of approximately 37,571 (2023 Census estimate), classified as a small county.