Hardeman County, Texas

County Distress Index: Serious · 71.3 | 3,490 people · 30th most distressed in Texas
American Default Research

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Hardeman County, TX shows significant household financial distress with a score of 71.3 — 151st 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 30th of 254 counties. Among its 6 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Hardeman County's primary driver is Community Vulnerability at 93.4 — worse than roughly 93% of U.S. counties.

Community Vulnerability Primary driver 93.4
Uninsured Rate 92
Disability Rate 95
Debt & Delinquency 87.4
Debt in Collections 95
Medical Debt 95
Student Loan Delinquency 80
Auto Loan Delinquency 74
Credit Card Delinquency 89
Bankruptcy Filing Rate 92
Income & Poverty 78.9
Poverty Rate 70
Income vs. State Median 86
Child Poverty Rate 81
Housing Cost Burden 48.8
Rent-Burdened (30%+) 23
Severely Rent-Burdened (50%+) 22
Mortgage-Burdened (30%+) 59
Homeownership Rate 72
Rent-to-Income Ratio 68
Employment & Wages 47.9
Unemployment Rate 19
Wage-to-Rent Ratio 51
Business Formation Rate 73

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Hardeman County
Hardeman County, TX 71.3 Serious —
Foard County, TX 74.2 Serious +2.9
Harmon County, OK 70.2 Serious -1.1
Wilbarger County, TX 67.3 Serious -4.0
Childress County, TX 58.3 Elevated -13.1
Cottle County, TX 55.4 Elevated -15.9
Jackson County, OK 55.1 Elevated -16.3

Population Peers

County Score Zone vs. Hardeman County
Mineral County, NV 71.1 Serious -0.2
McCulloch County, TX 71.5 Serious +0.2
Zavala County, TX 71.1 Serious -0.2
Nevada County, AR 71.1 Serious -0.3
Marion County, TX 71.7 Serious +0.3

Download Data

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

Find Help in Hardeman 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 Hardeman 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 Hardeman County, Texas?

    Hardeman County has a County Distress Index score of 71.3 out of 100, placing it in the Serious zone. It ranks 151st nationally out of 3,144 counties and 30th in Texas out of 254 counties.

  • What drives financial distress in Hardeman County?

    The primary driver of distress in Hardeman County is Community Vulnerability, where the county scores 93.4 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Hardeman County compare to neighboring counties?

    Hardeman County (71.3) can be compared to its 6 neighboring counties: Foard County, TX (74.2); Harmon County, OK (70.2); Wilbarger County, TX (67.3).

  • 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 Hardeman County?

    Hardeman County, Texas has a population of approximately 3,490 (2023 Census estimate), classified as a tiny county.