Kerr County, Texas

County Distress Index: Elevated · 50.6 | 53,915 people · 183rd most distressed in Texas
American Default Research

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Kerr County, TX registers elevated household financial distress with a score of 50.6 — 1546th 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 183rd 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. Kerr County's primary driver is Community Vulnerability at 76.7 — worse than roughly 77% of U.S. counties.

Community Vulnerability Primary driver 76.7
Uninsured Rate 94
Disability Rate 60
Housing Cost Burden 54.1
Rent-Burdened (30%+) 71
Severely Rent-Burdened (50%+) 50
Mortgage-Burdened (30%+) 33
Homeownership Rate 69
Rent-to-Income Ratio 47
Income & Poverty 43.1
Poverty Rate 38
Income vs. State Median 34
Child Poverty Rate 58
Debt & Delinquency 39.7
Debt in Collections 57
Medical Debt 72
Student Loan Delinquency 4
Auto Loan Delinquency 44
Credit Card Delinquency 41
Bankruptcy Filing Rate 21
Employment & Wages 39.4
Unemployment Rate 23
Wage-to-Rent Ratio 38
Business Formation Rate 57

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Kerr County
Kerr County, TX 50.6 Elevated —
Real County, TX 70.6 Serious +20.0
Edwards County, TX 60.8 Elevated +10.1
Kimble County, TX 55.2 Elevated +4.5
Bandera County, TX 54.0 Elevated +3.4
Gillespie County, TX 42.7 Normal -7.9
Kendall County, TX 34.8 Healthy -15.8

Population Peers

County Score Zone vs. Kerr County
Martin County, FL 50.6 Elevated -0.0
Lauderdale County, AL 50.6 Elevated +0.0
Haywood County, NC 50.5 Elevated -0.1
Herkimer County, NY 50.8 Elevated +0.1
Pickaway County, OH 50.5 Elevated -0.2

Download Data

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

Find Help in Kerr 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 Kerr 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.

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Frequently Asked Questions

  • What is the distress score for Kerr County, Texas?

    Kerr County has a County Distress Index score of 50.6 out of 100, placing it in the Elevated zone. It ranks 1,546th nationally out of 3,144 counties and 183rd in Texas out of 254 counties.

  • What drives financial distress in Kerr County?

    The primary driver of distress in Kerr County is Community Vulnerability, where the county scores 76.7 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Kerr County compare to neighboring counties?

    Kerr County (50.6) can be compared to its 6 neighboring counties: Real County, TX (70.6); Edwards County, TX (60.8); Kimble County, TX (55.2).

  • 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 Kerr County?

    Kerr County, Texas has a population of approximately 53,915 (2023 Census estimate), classified as a mid county.