Hamilton County, Texas

County Distress Index: Elevated · 59.0 | 8,619 people · 126th most distressed in Texas
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Hamilton County, TX registers elevated household financial distress with a score of 59.0 — 907th 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 126th of 254 counties. Among its 6 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Hamilton County's primary driver is Community Vulnerability at 85.8 — worse than roughly 86% of U.S. counties.

Community Vulnerability Primary driver 85.8
Uninsured Rate 88
Disability Rate 84
Debt & Delinquency 71.0
Debt in Collections 85
Medical Debt 95
Student Loan Delinquency 80
Auto Loan Delinquency 49
Credit Card Delinquency 66
Bankruptcy Filing Rate 51
Income & Poverty 57.7
Poverty Rate 51
Income vs. State Median 55
Child Poverty Rate 67
Employment & Wages 41.8
Unemployment Rate 55
Wage-to-Rent Ratio 43
Business Formation Rate 27
Housing Cost Burden 38.9
Rent-Burdened (30%+) 50
Severely Rent-Burdened (50%+) 15
Mortgage-Burdened (30%+) 60
Homeownership Rate 33
Rent-to-Income Ratio 35

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Hamilton County
Hamilton County, TX 59.0 Elevated —
Coryell County, TX 61.2 Elevated +2.2
Erath County, TX 60.4 Elevated +1.4
Lampasas County, TX 57.0 Elevated -2.1
Comanche County, TX 55.6 Elevated -3.4
Mills County, TX 55.3 Elevated -3.8
Bosque County, TX 51.3 Elevated -7.7

Population Peers

County Score Zone vs. Hamilton County
Northwest Arctic Borough, AK 59.2 Elevated +0.1
Collingsworth County, TX 58.9 Elevated -0.2
Grand County, UT 58.9 Elevated -0.2
Newton County, AR 59.3 Elevated +0.2
Concho County, TX 59.3 Elevated +0.3

Download Data

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

Find Help in Hamilton 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 Hamilton 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 Hamilton County, Texas?

    Hamilton County has a County Distress Index score of 59.0 out of 100, placing it in the Elevated zone. It ranks 907th nationally out of 3,144 counties and 126th in Texas out of 254 counties.

  • What drives financial distress in Hamilton County?

    The primary driver of distress in Hamilton County is Community Vulnerability, where the county scores 85.8 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Hamilton County compare to neighboring counties?

    Hamilton County (59.0) can be compared to its 6 neighboring counties: Coryell County, TX (61.2); Erath County, TX (60.4); Lampasas County, TX (57.0).

  • 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 Hamilton County?

    Hamilton County, Texas has a population of approximately 8,619 (2023 Census estimate), classified as a tiny county.