Gaines County, Texas

County Distress Index: Normal · 38.7 | 22,523 people · 239th most distressed in Texas

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Gaines County, TX falls within the normal range for household financial distress at 38.7 — 2431st nationally out of 3144 counties. The primary driver is Community Vulnerability, where health coverage gaps and disability rates are moderately elevated. Within Texas, it ranks 239th 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. Gaines County's primary driver is Community Vulnerability at 62.9 — above the national median.

Community Vulnerability Primary driver 62.9
Uninsured Rate 100
Disability Rate 26
Debt & Delinquency 55.0
Debt in Collections 64
Medical Debt 95
Student Loan Delinquency 80
Auto Loan Delinquency 12
Credit Card Delinquency 72
Bankruptcy Filing Rate 8
Income & Poverty 45.2
Poverty Rate 48
Income vs. State Median 29
Child Poverty Rate 58
Housing Cost Burden 18.1
Rent-Burdened (30%+) 14
Severely Rent-Burdened (50%+) 13
Mortgage-Burdened (30%+) 9
Homeownership Rate 38
Rent-to-Income Ratio 17
Employment & Wages 12.2
Unemployment Rate 19
Wage-to-Rent Ratio 6
Business Formation Rate 12

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Gaines County
Gaines County, TX 38.7 Normal
Terry County, TX 69.3 Serious +30.7
Dawson County, TX 66.8 Serious +28.2
Lea County, NM 53.9 Elevated +15.3
Martin County, TX 42.6 Normal +3.9
Andrews County, TX 41.5 Normal +2.9
Yoakum County, TX 40.6 Normal +2.0

Population Peers

County Score Zone vs. Gaines County
Atchison County, KS 38.7 Normal +0.0
Lyon County, MN 38.7 Normal +0.1
Jackson County, IN 38.7 Normal +0.1
Van Wert County, OH 38.7 Normal +0.1
Allamakee County, IA 38.6 Normal -0.1

Download Data

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Find Help in Gaines 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 Gaines 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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