Madison County, Texas

County Distress Index: Elevated · 64.1 | 13,742 people · 82nd most distressed in Texas

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Madison County, TX registers elevated household financial distress with a score of 64.1 — 555th 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 82nd of 254 counties. Among its 6 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Madison County's primary driver is Debt & Delinquency at 79.0 — worse than roughly 79% of U.S. counties.

Debt & Delinquency Primary driver 79.0
Debt in Collections 95
Medical Debt 95
Student Loan Delinquency 91
Auto Loan Delinquency 87
Credit Card Delinquency 92
Bankruptcy Filing Rate 14
Income & Poverty 76.2
Poverty Rate 79
Income vs. State Median 78
Child Poverty Rate 72
Community Vulnerability 63.3
Uninsured Rate 88
Disability Rate 39
Housing Cost Burden 53.1
Rent-Burdened (30%+) 44
Severely Rent-Burdened (50%+) 74
Mortgage-Burdened (30%+) 22
Homeownership Rate 67
Rent-to-Income Ratio 57
Employment & Wages 48.8
Unemployment Rate 64
Wage-to-Rent Ratio 29
Business Formation Rate 53

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Madison County
Madison County, TX 64.1 Elevated
Walker County, TX 68.8 Serious +4.7
Houston County, TX 68.3 Serious +4.2
Brazos County, TX 62.0 Elevated -2.1
Robertson County, TX 59.8 Elevated -4.3
Leon County, TX 54.0 Elevated -10.1
Grimes County, TX 53.7 Elevated -10.4

Population Peers

County Score Zone vs. Madison County
Greene County, AR 64.1 Elevated -0.0
Knott County, KY 64.1 Elevated +0.0
Siskiyou County, CA 64.2 Elevated +0.1
Roosevelt County, MT 64.2 Elevated +0.1
Martin County, KY 64.0 Elevated -0.1

Download Data

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Find Help in Madison 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 Madison 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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