Lubbock County, Texas

County Distress Index: Elevated · 63.7 | 320,940 people · 85th most distressed in Texas
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Lubbock County, TX registers elevated household financial distress with a score of 63.7 — 582nd nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Texas, it ranks 85th of 254 counties. Its score is in the middle of its 8 neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Lubbock County's primary driver is Housing Cost Burden at 87.7 — worse than roughly 88% of U.S. counties.

Housing Cost Burden Primary driver 87.7
Rent-Burdened (30%+) 91
Severely Rent-Burdened (50%+) 94
Mortgage-Burdened (30%+) 80
Homeownership Rate 96
Rent-to-Income Ratio 76
Debt & Delinquency 71.2
Debt in Collections 87
Medical Debt 82
Student Loan Delinquency 68
Auto Loan Delinquency 80
Credit Card Delinquency 81
Bankruptcy Filing Rate 29
Income & Poverty 64.9
Poverty Rate 73
Income vs. State Median 61
Child Poverty Rate 60
Community Vulnerability 55.4
Uninsured Rate 84
Disability Rate 27
Employment & Wages 39.1
Unemployment Rate 27
Wage-to-Rent Ratio 58
Business Formation Rate 33

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

Neighbors and Peers

How Lubbock County compares to its 8 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Lubbock County
Lubbock County, TX 63.7 Elevated —
Crosby County, TX 76.0 Serious +12.4
Hale County, TX 69.6 Serious +6.0
Terry County, TX 69.3 Serious +5.7
Floyd County, TX 68.1 Serious +4.5
Garza County, TX 60.1 Elevated -3.6
Hockley County, TX 57.7 Elevated -6.0
Lamb County, TX 57.4 Elevated -6.3
Lynn County, TX 51.4 Elevated -12.2

Population Peers

County Score Zone vs. Lubbock County
Atlantic County, NJ 63.5 Elevated -0.2
Yakima County, WA 64.5 Elevated +0.9
Passaic County, NJ 64.7 Elevated +1.1
Jefferson Parish, LA 62.6 Elevated -1.1
McLennan County, TX 62.1 Elevated -1.5

Download Data

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

Find Help in Lubbock County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Lubbock County.

NORTH & EAST LUBBOCK COMMUNITY DEVELOPMENT CORPORATION
Lubbock
806-747-5937 Website
Financial CounselingFinancial CounselingPost-PurchasePre-Purchase

See all counselors in Texas →

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 Lubbock 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.

Need legal help? Find a foreclosure defense attorney in Texas →

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Frequently Asked Questions

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

    Lubbock County has a County Distress Index score of 63.7 out of 100, placing it in the Elevated zone. It ranks 582nd nationally out of 3,144 counties and 85th in Texas out of 254 counties.

  • What drives financial distress in Lubbock County?

    The primary driver of distress in Lubbock County is Housing Cost Burden, where the county scores 87.7 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Lubbock County compare to neighboring counties?

    Lubbock County (63.7) can be compared to its 8 neighboring counties: Crosby County, TX (76.0); Hale County, TX (69.6); Terry County, TX (69.3).

  • 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 Lubbock County?

    Lubbock County, Texas has a population of approximately 320,940 (2023 Census estimate), classified as a large county.