Franklin County, Texas

County Distress Index: Elevated · 53.3 | 10,735 people · 173rd most distressed in Texas
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Franklin County, TX registers elevated household financial distress with a score of 53.3 — 1353rd 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 173rd of 254 counties. It scores lower than all 6 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Franklin County's primary driver is Community Vulnerability at 67.9 — above the national median.

Community Vulnerability Primary driver 67.9
Uninsured Rate 92
Disability Rate 44
Income & Poverty 57.3
Poverty Rate 55
Income vs. State Median 52
Child Poverty Rate 65
Debt & Delinquency 53.1
Debt in Collections 65
Medical Debt 75
Student Loan Delinquency 80
Auto Loan Delinquency 51
Credit Card Delinquency 26
Bankruptcy Filing Rate 22
Employment & Wages 46.5
Unemployment Rate 34
Wage-to-Rent Ratio 50
Business Formation Rate 55
Housing Cost Burden 41.7
Rent-Burdened (30%+) 36
Severely Rent-Burdened (50%+) 23
Mortgage-Burdened (30%+) 69
Homeownership Rate 22
Rent-to-Income Ratio 59

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Franklin County
Franklin County, TX 53.3 Elevated —
Red River County, TX 73.5 Serious +20.2
Camp County, TX 67.5 Serious +14.2
Delta County, TX 62.5 Elevated +9.3
Wood County, TX 60.5 Elevated +7.2
Titus County, TX 57.6 Elevated +4.3
Hopkins County, TX 57.4 Elevated +4.1

Population Peers

County Score Zone vs. Franklin County
Knox County, IN 53.3 Elevated 0.0
Polk County, MO 53.3 Elevated 0.0
Adams County, WI 53.3 Elevated +0.1
Upshur County, WV 53.2 Elevated -0.1
Cortland County, NY 53.2 Elevated -0.1

Download Data

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

Find Help in Franklin 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 Franklin 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 Franklin County, Texas?

    Franklin County has a County Distress Index score of 53.3 out of 100, placing it in the Elevated zone. It ranks 1,353rd nationally out of 3,144 counties and 173rd in Texas out of 254 counties.

  • What drives financial distress in Franklin County?

    The primary driver of distress in Franklin County is Community Vulnerability, where the county scores 67.9 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Franklin County compare to neighboring counties?

    Franklin County (53.3) can be compared to its 6 neighboring counties: Red River County, TX (73.5); Camp County, TX (67.5); Delta County, TX (62.5).

  • 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 Franklin County?

    Franklin County, Texas has a population of approximately 10,735 (2023 Census estimate), classified as a small county.