Freestone County, Texas

County Distress Index: Elevated · 62.7 | 20,441 people · 91st most distressed in Texas
American Default Research

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Freestone County, TX registers elevated household financial distress with a score of 62.7 — 635th 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 91st 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. Freestone County's primary driver is Community Vulnerability at 81.0 — worse than roughly 81% of U.S. counties.

Community Vulnerability Primary driver 81.0
Uninsured Rate 79
Disability Rate 83
Debt & Delinquency 76.1
Debt in Collections 95
Medical Debt 98
Student Loan Delinquency 92
Auto Loan Delinquency 77
Credit Card Delinquency 79
Bankruptcy Filing Rate 17
Income & Poverty 61.8
Poverty Rate 64
Income vs. State Median 57
Child Poverty Rate 64
Employment & Wages 47.9
Unemployment Rate 76
Wage-to-Rent Ratio 20
Business Formation Rate 47
Housing Cost Burden 47.0
Rent-Burdened (30%+) 45
Severely Rent-Burdened (50%+) 71
Mortgage-Burdened (30%+) 34
Homeownership Rate 48
Rent-to-Income Ratio 38

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Freestone County
Freestone County, TX 62.7 Elevated —
Anderson County, TX 73.4 Serious +10.7
Henderson County, TX 68.8 Serious +6.1
Navarro County, TX 67.0 Serious +4.3
Limestone County, TX 61.9 Elevated -0.9
Leon County, TX 54.0 Elevated -8.7

Population Peers

County Score Zone vs. Freestone County
Monroe County, TN 62.7 Elevated 0.0
Dorchester County, MD 62.7 Elevated -0.0
Saline County, IL 62.7 Elevated +0.0
Polk County, AR 62.8 Elevated +0.0
Eastland County, TX 62.7 Elevated -0.0

Download Data

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

Find Help in Freestone 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 Freestone 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.

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Frequently Asked Questions

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

    Freestone County has a County Distress Index score of 62.7 out of 100, placing it in the Elevated zone. It ranks 635th nationally out of 3,144 counties and 91st in Texas out of 254 counties.

  • What drives financial distress in Freestone County?

    The primary driver of distress in Freestone County is Community Vulnerability, where the county scores 81.0 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Freestone County compare to neighboring counties?

    Freestone County (62.7) can be compared to its 5 neighboring counties: Anderson County, TX (73.4); Henderson County, TX (68.8); Navarro County, TX (67.0).

  • 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 Freestone County?

    Freestone County, Texas has a population of approximately 20,441 (2023 Census estimate), classified as a small county.