Liberty County, Texas

County Distress Index: Serious · 67.5 | 108,272 people · 54th most distressed in Texas

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Liberty County, TX shows significant household financial distress with a score of 67.5 — 343rd 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 54th of 254 counties. Among its 7 neighboring counties, 6 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Liberty County's primary driver is Debt & Delinquency at 82.3 — worse than roughly 82% of U.S. counties.

Debt & Delinquency Primary driver 82.3
Debt in Collections 95
Medical Debt 84
Student Loan Delinquency 95
Auto Loan Delinquency 90
Credit Card Delinquency 95
Bankruptcy Filing Rate 34
Community Vulnerability 70.0
Uninsured Rate 99
Disability Rate 41
Employment & Wages 69.8
Unemployment Rate 86
Wage-to-Rent Ratio 90
Business Formation Rate 34
Housing Cost Burden 69.4
Rent-Burdened (30%+) 84
Severely Rent-Burdened (50%+) 89
Mortgage-Burdened (30%+) 73
Homeownership Rate 16
Rent-to-Income Ratio 86
Income & Poverty 45.9
Poverty Rate 58
Income vs. State Median 17
Child Poverty Rate 63

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

Neighbors and Peers

How Liberty County compares to its 7 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Liberty County
Liberty County, TX 67.5 Serious
Polk County, TX 70.8 Serious +3.4
Jefferson County, TX 66.8 Serious -0.7
San Jacinto County, TX 66.0 Serious -1.5
Harris County, TX 59.2 Elevated -8.3
Hardin County, TX 55.2 Elevated -12.3
Montgomery County, TX 46.1 Normal -21.4
Chambers County, TX 38.7 Normal -28.8

Population Peers

County Score Zone vs. Liberty County
Liberty County, GA 67.5 Serious -0.0
Hamblen County, TN 67.5 Serious +0.0
Yuba County, CA 67.6 Serious +0.1
Nye County, NV 67.4 Serious -0.1
Lowndes County, GA 67.7 Serious +0.2

Download Data

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Find Help in Liberty 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 Liberty 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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