Hill County, Texas

County Distress Index: Elevated · 58.6 | 38,101 people · 128th most distressed in Texas
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Hill County, TX registers elevated household financial distress with a score of 58.6 — 933rd 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 128th of 254 counties. Its score is in the middle of its 6 neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Hill County's primary driver is Community Vulnerability at 80.2 — worse than roughly 80% of U.S. counties.

Community Vulnerability Primary driver 80.2
Uninsured Rate 94
Disability Rate 67
Debt & Delinquency 76.5
Debt in Collections 95
Medical Debt 96
Student Loan Delinquency 83
Auto Loan Delinquency 83
Credit Card Delinquency 67
Bankruptcy Filing Rate 36
Income & Poverty 52.3
Poverty Rate 56
Income vs. State Median 44
Child Poverty Rate 58
Housing Cost Burden 49.2
Rent-Burdened (30%+) 67
Severely Rent-Burdened (50%+) 34
Mortgage-Burdened (30%+) 68
Homeownership Rate 39
Rent-to-Income Ratio 38
Employment & Wages 34.6
Unemployment Rate 45
Wage-to-Rent Ratio 19
Business Formation Rate 40

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Hill County
Hill County, TX 58.6 Elevated —
Navarro County, TX 67.0 Serious +8.5
McLennan County, TX 62.1 Elevated +3.6
Limestone County, TX 61.9 Elevated +3.3
Johnson County, TX 54.2 Elevated -4.3
Ellis County, TX 52.1 Elevated -6.4
Bosque County, TX 51.3 Elevated -7.2

Population Peers

County Score Zone vs. Hill County
Tippah County, MS 58.6 Elevated +0.0
Yell County, AR 58.6 Elevated +0.0
Montgomery County, KS 58.5 Elevated -0.0
Love County, OK 58.6 Elevated +0.0
Conway County, AR 58.5 Elevated -0.0

Download Data

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

Find Help in Hill 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 Hill 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 Hill County, Texas?

    Hill County has a County Distress Index score of 58.6 out of 100, placing it in the Elevated zone. It ranks 933rd nationally out of 3,144 counties and 128th in Texas out of 254 counties.

  • What drives financial distress in Hill County?

    The primary driver of distress in Hill County is Community Vulnerability, where the county scores 80.2 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Hill County compare to neighboring counties?

    Hill County (58.6) can be compared to its 6 neighboring counties: Navarro County, TX (67.0); McLennan County, TX (62.1); Limestone County, TX (61.9).

  • 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 Hill County?

    Hill County, Texas has a population of approximately 38,101 (2023 Census estimate), classified as a small county.