Hemphill County, Texas

County Distress Index: Normal · 49.9 | 3,189 people · 190th most distressed in Texas

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Hemphill County, TX falls within the normal range for household financial distress at 49.9 — 1604th 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 190th of 254 counties. Among its 6 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Hemphill County's primary driver is Community Vulnerability at 87.6 — worse than roughly 88% of U.S. counties.

Community Vulnerability Primary driver 87.6
Uninsured Rate 94
Disability Rate 81
Debt & Delinquency 66.2
Debt in Collections 71
Medical Debt 91
Student Loan Delinquency 80
Auto Loan Delinquency 74
Credit Card Delinquency 77
Bankruptcy Filing Rate 5
Employment & Wages 44.8
Unemployment Rate 67
Wage-to-Rent Ratio 6
Business Formation Rate 62
Housing Cost Burden 28.9
Rent-Burdened (30%+) 65
Severely Rent-Burdened (50%+) 18
Mortgage-Burdened (30%+) 16
Homeownership Rate 39
Rent-to-Income Ratio 6
Income & Poverty 21.7
Poverty Rate 21
Income vs. State Median 17
Child Poverty Rate 27

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Hemphill County
Hemphill County, TX 49.9 Normal
Gray County, TX 59.6 Elevated +9.7
Wheeler County, TX 57.9 Elevated +8.0
Ellis County, OK 57.6 Elevated +7.7
Roger Mills County, OK 52.3 Elevated +2.5
Roberts County, TX 45.0 Normal -4.9
Lipscomb County, TX 34.1 Healthy -15.7

Population Peers

County Score Zone vs. Hemphill County
Lincoln County, CO 49.8 Normal -0.0
Calhoun County, AR 49.8 Normal -0.1
Cumberland County, VA 50.0 Normal +0.1
Ohio County, IN 50.0 Normal +0.1
Van Buren County, IA 49.7 Normal -0.1

Download Data

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Find Help in Hemphill 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 Hemphill 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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