McLennan County, Texas
Above the national median of residents with debt in collections — and 18.3× the rate of the healthiest U.S. county (Logan County, ND — 2%).
Main Findings
McLennan County, Texas ranks 344th most distressed in the United States on the County Distress Index. The driver: 35% of residents with a credit file carry debt in collections — above the national median of 23%.
- 344th of 3,144 counties on the County Distress Index — Serious zone, 46th in Texas.
- 35% of residents with a credit file carry debt in collections (U.S. median 23%). Debt in collections at the 87th percentile nationally.
- Severe rent burden (50%+) at 28% — national median 18%, ranked at the 96th percentile.
- House price change (yoy) at 1% — national median 4%, ranked at the 79th percentile.
- Poverty rate at 17% — national median 14%, ranked at the 71st percentile.
Neighbors span two CDI zones. The 19-point drop to Bosque County marks where the Texas distress corridor ends.
"The distress in McLennan County reads as a credit story — household balance sheets carrying debt that's grown faster than incomes can absorb. Housing pressure compounds it; job loss is rarely the trigger."
"Serious-zone counties are where consumer credit distress accumulates while the labor market still reads stable. The cost curve — housing, health, financing — runs faster than wage growth can absorb."
The Indicators Behind McLennan County's CDI Score
Every number traces to a public source. McLennan County's value shown alongside TX's median and the U.S. median. Full CSV available for download.
| Indicator | McLennan | TX median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Consumer Credit Distress — domain score 79 · Rank 509 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 35% | 35% | 23% | 87th | Urban Institute (2024) |
| Medical debt in collections Share of residents with a credit file who have medical debt in collections | 6% | 9% | 4% | 69th | Urban Institute (2024) |
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 7% | 7% | 5% | 77th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 7% | 7% | 5% | 68th | Urban Institute (2024) |
| Uninsured rate Share of residents without health insurance coverage | 14% | 17% | 8% | 84th | Census ACS 5-yr (2023) |
| Subprime credit share Share of residents with a credit score below 660 | 33% | 32% | 23% | 84th | Urban Institute (2024) |
| Housing Cost Burden — domain score 92 · Rank 80 of 3,144 | |||||
| Rent burden (30%+) Share of renter households paying 30%+ of income on rent | 51% | 37% | 38% | 95th | Census ACS 5-yr (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 28% | 17% | 18% | 96th | Census ACS 5-yr (2023) |
| Owner housing burden Share of owner households paying 30%+ of income on housing | 27% | 23% | 24% | 72nd | Census ACS 5-yr (2023) |
| Homeownership rate Share of occupied housing units that are owner-occupied | 61% | 74% | 74% | 91st | Census ACS 5-yr (2023) |
| Structural Poverty — domain score 43 · Rank 1,891 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 43rd | BLS LAUS (Dec 2025) |
| Poverty rate Share of population below the federal poverty line | 17% | 15% | 14% | 71st | Census SAIPE (2023) |
| Household income relative to state Median household income as share of state median | 1.05× | 1.00× | 1.00× | 38th | Census SAIPE (2023) |
| Child poverty rate Share of children under 18 below the federal poverty line | 20% | 22% | 18% | 62nd | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 13% | 16% | 16% | 28th | Census ACS 5-yr (2023) |
| Transfer-income dependency Share of personal income from government transfers | 22% | 26% | 27% | 28th | BEA Regional Personal Income (2023) |
| Legal Distress — domain score 31 · Rank 2,165 of 3,144 | |||||
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 90 | 78 | 126 | 31st | US Courts F-5A (2025) |
| Economic Vitality — domain score 54 · Rank 1,298 of 3,144 | |||||
| Wage-to-rent ratio Ratio of average weekly wage to fair-market rent | 4.1× | 4.1× | 4.0× | 47th | BLS QCEW × HUD FMR (2024) |
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 23% | 22% | 21% | 70th | HUD FMR × Census ACS (2024) |
| Business formation rate New business applications per 1,000 residents | 11.6 | 10.5 | 10.0 | 35th | Census Business Formation Statistics (2024) |
| House price change (yoy) House price index year-over-year change | 1% | 2% | 4% | 79th | FHFA HPI (2024) |
Five-Domain Breakdown
The CDI is a PCA-weighted composite of five statistically derived factors. Weights are proportional to each factor's share of explained variance across 3,144 counties.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. A score of 50 represents the national county median; higher scores indicate greater distress. The index is built from 21 indicators grouped into five statistically derived factors via principal component analysis (PCA); factor weights are proportional to each factor's share of explained variance (shown in the Five-Domain Breakdown above).
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite McLennan County data — in under 60 seconds.
Draft wire copy 159-word AP-style article — use freely with attribution
WACO, Texas — McLennan County ranks 344th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 71 out of 100 places McLennan in the "Serious" zone. Among 3,144 U.S. counties scored, 343 counties rank more distressed. Within Texas, McLennan ranks 46th of 254 counties.
The index, which draws on 21 indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies consumer credit distress as the primary driver in McLennan. 35% of residents with a credit file carry debt in collections — above the national median of 23%.
"The distress in McLennan County reads as a credit story — household balance sheets carrying debt that's grown faster than incomes can absorb. Housing pressure compounds it; job loss is rarely the trigger," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is McLennan County's CDI score, and what does it mean?
What drives McLennan County's distress score?
How does McLennan County compare to its neighbors?
How is the County Distress Index calculated?
McLennan County resident looking for help? HUD counselors, legal aid, and attorney referrals →