McCulloch County, Texas

County Distress Index: Serious · 71.5 | 7,452 people · 28th most distressed in Texas

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McCulloch County, TX shows significant household financial distress with a score of 71.5 — 144th 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 28th of 254 counties. It scores higher than all 6 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. McCulloch County's primary driver is Community Vulnerability at 90.5 — worse than roughly 91% of U.S. counties.

Community Vulnerability Primary driver 90.5
Uninsured Rate 95
Disability Rate 86
Income & Poverty 86.3
Poverty Rate 80
Income vs. State Median 92
Child Poverty Rate 87
Debt & Delinquency 80.4
Debt in Collections 95
Medical Debt 92
Student Loan Delinquency 80
Auto Loan Delinquency 81
Credit Card Delinquency 95
Bankruptcy Filing Rate 40
Housing Cost Burden 52.2
Rent-Burdened (30%+) 18
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 81
Homeownership Rate 71
Rent-to-Income Ratio 86
Employment & Wages 48.2
Unemployment Rate 58
Wage-to-Rent Ratio 53
Business Formation Rate 34

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. McCulloch County
McCulloch County, TX 71.5 Serious
Brown County, TX 71.1 Serious -0.4
Menard County, TX 69.6 Serious -1.9
Coleman County, TX 64.2 Elevated -7.3
San Saba County, TX 59.7 Elevated -11.8
Concho County, TX 59.3 Elevated -12.2
Mason County, TX 50.0 Elevated -21.5

Population Peers

County Score Zone vs. McCulloch County
Marion County, TX 71.7 Serious +0.1
Hardeman County, TX 71.3 Serious -0.2
Refugio County, TX 71.8 Serious +0.3
Carter County, MO 71.9 Serious +0.4
Mineral County, NV 71.1 Serious -0.4

Download Data

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Find Help in McCulloch 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 McCulloch 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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