Henderson County, Texas

County Distress Index: Serious · 68.8 | 86,158 people · 46th most distressed in Texas

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Henderson County, TX shows significant household financial distress with a score of 68.8 — 265th 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 46th of 254 counties. Among its 8 neighboring counties, 7 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Henderson County's primary driver is Community Vulnerability at 82.9 — worse than roughly 83% of U.S. counties.

Community Vulnerability Primary driver 82.9
Uninsured Rate 94
Disability Rate 72
Debt & Delinquency 80.8
Debt in Collections 88
Medical Debt 79
Student Loan Delinquency 94
Auto Loan Delinquency 82
Credit Card Delinquency 92
Bankruptcy Filing Rate 50
Income & Poverty 68.2
Poverty Rate 72
Income vs. State Median 57
Child Poverty Rate 76
Housing Cost Burden 59.3
Rent-Burdened (30%+) 73
Severely Rent-Burdened (50%+) 83
Mortgage-Burdened (30%+) 57
Homeownership Rate 38
Rent-to-Income Ratio 45
Employment & Wages 53.1
Unemployment Rate 67
Wage-to-Rent Ratio 49
Business Formation Rate 43

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

Neighbors and Peers

How Henderson County compares to its 8 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Henderson County
Henderson County, TX 68.8 Serious
Anderson County, TX 73.4 Serious +4.6
Navarro County, TX 67.0 Serious -1.8
Freestone County, TX 62.7 Elevated -6.1
Cherokee County, TX 61.3 Elevated -7.5
Smith County, TX 57.5 Elevated -11.4
Van Zandt County, TX 55.8 Elevated -13.0
Kaufman County, TX 55.1 Elevated -13.7
Ellis County, TX 52.1 Elevated -16.7

Population Peers

County Score Zone vs. Henderson County
Walker County, TX 68.8 Serious -0.1
Hinds County, MS 68.9 Serious +0.1
Apache County, AZ 68.7 Serious -0.1
Ashtabula County, OH 68.6 Serious -0.2
Norfolk city, VA 68.6 Serious -0.2

Download Data

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Find Help in Henderson 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 Henderson 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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