Midland County, Texas

County Distress Index: Normal · 45.4 | 177,108 people · 210th most distressed in Texas
American Default Research

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Midland County, TX falls within the normal range for household financial distress at 45.4 — 1946th 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 210th 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. Midland County's primary driver is Housing Cost Burden at 75.3 — worse than roughly 75% of U.S. counties.

Housing Cost Burden Primary driver 75.3
Rent-Burdened (30%+) 78
Severely Rent-Burdened (50%+) 84
Mortgage-Burdened (30%+) 73
Homeownership Rate 77
Rent-to-Income Ratio 64
Debt & Delinquency 67.8
Debt in Collections 84
Medical Debt 83
Student Loan Delinquency 75
Auto Loan Delinquency 84
Credit Card Delinquency 69
Bankruptcy Filing Rate 12
Community Vulnerability 49.3
Uninsured Rate 89
Disability Rate 10
Income & Poverty 19.9
Poverty Rate 28
Income vs. State Median 3
Child Poverty Rate 29
Employment & Wages 14.5
Unemployment Rate 19
Wage-to-Rent Ratio 21
Business Formation Rate 4

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Midland County
Midland County, TX 45.4 Normal —
Ector County, TX 56.1 Elevated +10.7
Upton County, TX 46.2 Normal +0.8
Martin County, TX 42.6 Normal -2.8
Andrews County, TX 41.5 Normal -3.8
Reagan County, TX 39.7 Normal -5.7
Glasscock County, TX 31.9 Healthy -13.4

Population Peers

County Score Zone vs. Midland County
Livingston County, NY 45.4 Normal -0.0
Natrona County, WY 45.4 Normal -0.0
Cheshire County, NH 45.4 Normal +0.1
Franklin County, PA 45.3 Normal -0.1
Benton County, WA 45.3 Normal -0.1

Download Data

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

Find Help in Midland County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Midland County.

MIDLAND COMMUNITY DEVELOPMENT CORP
Midland
432-682-2520 Website
Financial CounselingFinancial CounselingPre-PurchaseHomebuyer Education

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 Midland 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 Midland County, Texas?

    Midland County has a County Distress Index score of 45.4 out of 100, placing it in the Normal zone. It ranks 1,946th nationally out of 3,144 counties and 210th in Texas out of 254 counties.

  • What drives financial distress in Midland County?

    The primary driver of distress in Midland County is Housing Cost Burden, where the county scores 75.3 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Midland County compare to neighboring counties?

    Midland County (45.4) can be compared to its 6 neighboring counties: Ector County, TX (56.1); Upton County, TX (46.2); Martin County, TX (42.6).

  • 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 Midland County?

    Midland County, Texas has a population of approximately 177,108 (2023 Census estimate), classified as a mid county.