Hartley County, Texas

County Distress Index: Healthy · 30.9 | 5,145 people · 250th most distressed in Texas
American Default Research

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Hartley County, TX ranks among the least distressed counties in the country at 30.9 — 2855th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where debt and delinquency levels sit above the national average. Within Texas, it ranks 250th 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. Hartley County's primary driver is Debt & Delinquency at 51.2 — above the national median.

Debt & Delinquency Primary driver 51.2
Debt in Collections 43
Medical Debt 87
Student Loan Delinquency 80
Auto Loan Delinquency 15
Credit Card Delinquency 58
Bankruptcy Filing Rate 24
Community Vulnerability 47.2
Uninsured Rate 85
Disability Rate 9
Employment & Wages 29.7
Unemployment Rate 23
Wage-to-Rent Ratio 48
Business Formation Rate 19
Housing Cost Burden 19.9
Rent-Burdened (30%+) 39
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 13
Homeownership Rate 37
Rent-to-Income Ratio 5
Income & Poverty 6.8
Poverty Rate 10
Income vs. State Median 5
Child Poverty Rate 6

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Hartley County
Hartley County, TX 30.9 Healthy —
Quay County, NM 67.7 Serious +36.8
Union County, NM 63.1 Elevated +32.2
Moore County, TX 51.5 Elevated +20.6
Oldham County, TX 50.3 Elevated +19.3
Dallam County, TX 47.5 Normal +16.6
Sherman County, TX 45.8 Normal +14.8

Population Peers

County Score Zone vs. Hartley County
Adair County, IA 31.1 Healthy +0.1
Loving County, TX 30.8 Healthy -0.1
Greenlee County, AZ 31.1 Healthy +0.2
Yellow Medicine County, MN 31.1 Healthy +0.2
Logan County, NE 31.2 Healthy +0.3

Download Data

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

Find Help in Hartley 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 Hartley 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 Hartley County, Texas?

    Hartley County has a County Distress Index score of 30.9 out of 100, placing it in the Healthy zone. It ranks 2,855th nationally out of 3,144 counties and 250th in Texas out of 254 counties.

  • What drives financial distress in Hartley County?

    The primary driver of distress in Hartley County is Debt & Delinquency, where the county scores 51.2 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Hartley County compare to neighboring counties?

    Hartley County (30.9) can be compared to its 6 neighboring counties: Quay County, NM (67.7); Union County, NM (63.1); Moore County, TX (51.5).

  • 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 Hartley County?

    Hartley County, Texas has a population of approximately 5,145 (2023 Census estimate), classified as a tiny county.