Hutchinson County, Texas

County Distress Index: Elevated · 53.9 | 20,033 people · 168th most distressed in Texas
American Default Research

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Hutchinson County, TX registers elevated household financial distress with a score of 53.9 — 1298th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Texas, it ranks 168th of 254 counties. It scores higher than all 5 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Hutchinson County's primary driver is Debt & Delinquency at 76.0 — worse than roughly 76% of U.S. counties.

Debt & Delinquency Primary driver 76.0
Debt in Collections 95
Medical Debt 100
Student Loan Delinquency 93
Auto Loan Delinquency 68
Credit Card Delinquency 85
Bankruptcy Filing Rate 15
Community Vulnerability 74.9
Uninsured Rate 87
Disability Rate 63
Employment & Wages 47.0
Unemployment Rate 64
Wage-to-Rent Ratio 1
Business Formation Rate 76
Income & Poverty 44.7
Poverty Rate 56
Income vs. State Median 33
Child Poverty Rate 45
Housing Cost Burden 27.0
Rent-Burdened (30%+) 32
Severely Rent-Burdened (50%+) 42
Mortgage-Burdened (30%+) 25
Homeownership Rate 15
Rent-to-Income Ratio 20

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

Neighbors and Peers

How Hutchinson County compares to its 5 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Hutchinson County
Hutchinson County, TX 53.9 Elevated —
Moore County, TX 51.5 Elevated -2.4
Hansford County, TX 47.0 Normal -6.9
Sherman County, TX 45.8 Normal -8.2
Roberts County, TX 45.0 Normal -8.9
Carson County, TX 35.7 Normal -18.2

Population Peers

County Score Zone vs. Hutchinson County
Jennings County, IN 53.9 Elevated 0.0
Taylor County, KY 53.9 Elevated +0.0
Lincoln County, KY 54.0 Elevated +0.0
Bandera County, TX 54.0 Elevated +0.1
Allen County, KS 53.9 Elevated -0.1

Download Data

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

Find Help in Hutchinson 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 Hutchinson 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 Hutchinson County, Texas?

    Hutchinson County has a County Distress Index score of 53.9 out of 100, placing it in the Elevated zone. It ranks 1,298th nationally out of 3,144 counties and 168th in Texas out of 254 counties.

  • What drives financial distress in Hutchinson County?

    The primary driver of distress in Hutchinson County is Debt & Delinquency, where the county scores 76.0 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Hutchinson County compare to neighboring counties?

    Hutchinson County (53.9) can be compared to its 5 neighboring counties: Moore County, TX (51.5); Hansford County, TX (47.0); Sherman County, TX (45.8).

  • 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 Hutchinson County?

    Hutchinson County, Texas has a population of approximately 20,033 (2023 Census estimate), classified as a small county.