Mills County, Texas

County Distress Index: Elevated · 55.3 | 4,548 people · 157th most distressed in Texas

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Mills County, TX registers elevated household financial distress with a score of 55.2 — 1186th nationally out of 3144 counties. The primary driver is Employment & Wages, where unemployment is elevated, wages are low relative to housing costs, and business formation lags. Within Texas, it ranks 157th of 254 counties. It scores lower than all 5 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Mills County's primary driver is Employment & Wages at 67.3 — above the national median.

Employment & Wages Primary driver 67.3
Unemployment Rate 41
Wage-to-Rent Ratio 66
Business Formation Rate 95
Income & Poverty 65.8
Poverty Rate 59
Income vs. State Median 67
Child Poverty Rate 71
Community Vulnerability 65.2
Uninsured Rate 79
Disability Rate 51
Debt & Delinquency 57.9
Debt in Collections 60
Medical Debt 95
Student Loan Delinquency 80
Auto Loan Delinquency 90
Credit Card Delinquency 5
Bankruptcy Filing Rate 18
Housing Cost Burden 20.0
Rent-Burdened (30%+) 11
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 32
Homeownership Rate 5
Rent-to-Income Ratio 47

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

Neighbors and Peers

How Mills County compares to its 5 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Mills County
Mills County, TX 55.3 Elevated
Brown County, TX 71.1 Serious +15.8
San Saba County, TX 59.7 Elevated +4.5
Hamilton County, TX 59.0 Elevated +3.8
Lampasas County, TX 57.0 Elevated +1.7
Comanche County, TX 55.6 Elevated +0.4

Population Peers

County Score Zone vs. Mills County
Blaine County, OK 55.2 Elevated -0.0
Kimble County, TX 55.2 Elevated -0.1
Bennett County, SD 55.1 Elevated -0.1
Terrell County, TX 55.1 Elevated -0.1
Cottle County, TX 55.4 Elevated +0.1

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Find Help in Mills 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 Mills 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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