McLennan County, Texas

County Distress Index: Elevated · 62.1 | 268,583 people · 95th most distressed in Texas

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McLennan County, TX registers elevated household financial distress with a score of 62.1 — 678th 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 95th of 254 counties. Among its 6 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. McLennan County's primary driver is Housing Cost Burden at 84.9 — worse than roughly 85% of U.S. counties.

Housing Cost Burden Primary driver 84.9
Rent-Burdened (30%+) 95
Severely Rent-Burdened (50%+) 96
Mortgage-Burdened (30%+) 72
Homeownership Rate 91
Rent-to-Income Ratio 70
Debt & Delinquency 70.4
Debt in Collections 87
Medical Debt 69
Student Loan Delinquency 90
Auto Loan Delinquency 77
Credit Card Delinquency 68
Bankruptcy Filing Rate 31
Income & Poverty 57.1
Poverty Rate 71
Income vs. State Median 38
Child Poverty Rate 62
Community Vulnerability 56.0
Uninsured Rate 84
Disability Rate 28
Employment & Wages 42.4
Unemployment Rate 45
Wage-to-Rent Ratio 47
Business Formation Rate 35

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. McLennan County
McLennan County, TX 62.1 Elevated
Falls County, TX 66.0 Serious +3.8
Limestone County, TX 61.9 Elevated -0.3
Coryell County, TX 61.2 Elevated -0.9
Bell County, TX 59.6 Elevated -2.6
Hill County, TX 58.6 Elevated -3.6
Bosque County, TX 51.3 Elevated -10.8

Population Peers

County Score Zone vs. McLennan County
Osceola County, FL 61.8 Elevated -0.4
Jefferson Parish, LA 62.6 Elevated +0.4
Richland County, SC 61.5 Elevated -0.6
Horry County, SC 61.4 Elevated -0.7
Genesee County, MI 61.2 Elevated -0.9

Download Data

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

Find Help in McLennan County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near McLennan County.

NEIGHBORHOOD HOUSING SERVICES OF WACO, INC.
Waco
Foreclosure PreventionMortgage HelpFinancial CounselingHome Improvement/Rehab
WACO COMMUNITY DEVELOPMENT CORPORATION
Waco
Financial CounselingFinancial CounselingHome Improvement/RehabPost-Purchase

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 McLennan 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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