Hardin County, Texas

County Distress Index: Elevated · 55.2 | 58,261 people · 158th most distressed in Texas

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Hardin County, TX registers elevated household financial distress with a score of 55.2 — 1189th 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 158th 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. Hardin County's primary driver is Community Vulnerability at 79.8 — worse than roughly 80% of U.S. counties.

Community Vulnerability Primary driver 79.8
Uninsured Rate 90
Disability Rate 69
Debt & Delinquency 72.9
Debt in Collections 84
Medical Debt 82
Student Loan Delinquency 87
Auto Loan Delinquency 64
Credit Card Delinquency 70
Bankruptcy Filing Rate 51
Employment & Wages 58.5
Unemployment Rate 64
Wage-to-Rent Ratio 53
Business Formation Rate 59
Housing Cost Burden 37.0
Rent-Burdened (30%+) 64
Severely Rent-Burdened (50%+) 54
Mortgage-Burdened (30%+) 39
Homeownership Rate 9
Rent-to-Income Ratio 19
Income & Poverty 28.0
Poverty Rate 33
Income vs. State Median 15
Child Poverty Rate 36

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Hardin County
Hardin County, TX 55.2 Elevated
Tyler County, TX 71.0 Serious +15.8
Polk County, TX 70.8 Serious +15.6
Liberty County, TX 67.5 Serious +12.3
Jefferson County, TX 66.8 Serious +11.6
Orange County, TX 60.9 Elevated +5.6
Jasper County, TX 59.4 Elevated +4.1

Population Peers

County Score Zone vs. Hardin County
Kankakee County, IL 55.2 Elevated +0.0
White County, AR 55.2 Elevated -0.1
Kaufman County, TX 55.1 Elevated -0.1
Washington County, TN 55.3 Elevated +0.1
Greenwood County, SC 55.1 Elevated -0.1

Download Data

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Find Help in Hardin 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 Hardin 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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