Kendall County, Texas

County Distress Index: Healthy · 34.8 | 50,537 people · 245th most distressed in Texas
American Default Research

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Kendall County, TX ranks among the least distressed counties in the country at 34.8 — 2657th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing costs consume a moderate share of household income. Within Texas, it ranks 245th 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. Kendall County's primary driver is Housing Cost Burden at 62.5 — above the national median.

Housing Cost Burden Primary driver 62.5
Rent-Burdened (30%+) 93
Severely Rent-Burdened (50%+) 98
Mortgage-Burdened (30%+) 76
Homeownership Rate 30
Rent-to-Income Ratio 16
Community Vulnerability 45.1
Uninsured Rate 73
Disability Rate 17
Employment & Wages 39.2
Unemployment Rate 27
Wage-to-Rent Ratio 84
Business Formation Rate 7
Debt & Delinquency 23.4
Debt in Collections 22
Medical Debt 46
Student Loan Delinquency 9
Auto Loan Delinquency 19
Credit Card Delinquency 8
Bankruptcy Filing Rate 36
Income & Poverty 3.7
Poverty Rate 4
Income vs. State Median 1
Child Poverty Rate 7

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Kendall County
Kendall County, TX 34.8 Healthy —
Bexar County, TX 62.9 Elevated +28.1
Bandera County, TX 54.0 Elevated +19.2
Kerr County, TX 50.6 Elevated +15.8
Gillespie County, TX 42.7 Normal +7.9
Comal County, TX 39.8 Normal +5.0
Blanco County, TX 36.1 Normal +1.4

Population Peers

County Score Zone vs. Kendall County
Kendall County, IL 34.8 Healthy -0.0
McLean County, IL 34.8 Healthy -0.0
Story County, IA 34.7 Healthy -0.1
Eau Claire County, WI 34.7 Healthy -0.1
Gallatin County, MT 34.6 Healthy -0.2

Download Data

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

Find Help in Kendall 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 Kendall 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 Kendall County, Texas?

    Kendall County has a County Distress Index score of 34.8 out of 100, placing it in the Healthy zone. It ranks 2,657th nationally out of 3,144 counties and 245th in Texas out of 254 counties.

  • What drives financial distress in Kendall County?

    The primary driver of distress in Kendall County is Housing Cost Burden, where the county scores 62.5 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Kendall County compare to neighboring counties?

    Kendall County (34.8) can be compared to its 6 neighboring counties: Bexar County, TX (62.9); Bandera County, TX (54.0); Kerr County, TX (50.6).

  • 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 Kendall County?

    Kendall County, Texas has a population of approximately 50,537 (2023 Census estimate), classified as a mid county.