Montgomery County, Texas

County Distress Index: Normal · 46.1 | 711,354 people · 207th most distressed in Texas
American Default Research

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Montgomery County, TX falls within the normal range for household financial distress at 46.1 — 1892nd 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 207th of 254 counties. It scores lower than all 6 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Montgomery County's primary driver is Housing Cost Burden at 65.5 — above the national median.

Housing Cost Burden Primary driver 65.5
Rent-Burdened (30%+) 71
Severely Rent-Burdened (50%+) 67
Mortgage-Burdened (30%+) 83
Homeownership Rate 63
Rent-to-Income Ratio 43
Debt & Delinquency 58.9
Debt in Collections 63
Medical Debt 62
Student Loan Delinquency 65
Auto Loan Delinquency 61
Credit Card Delinquency 57
Bankruptcy Filing Rate 46
Community Vulnerability 46.5
Uninsured Rate 87
Disability Rate 6
Employment & Wages 42.0
Unemployment Rate 52
Wage-to-Rent Ratio 65
Business Formation Rate 9
Income & Poverty 17.4
Poverty Rate 21
Income vs. State Median 4
Child Poverty Rate 27

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Montgomery County
Montgomery County, TX 46.1 Normal —
Walker County, TX 68.8 Serious +22.7
Liberty County, TX 67.5 Serious +21.4
San Jacinto County, TX 66.0 Serious +19.9
Harris County, TX 59.2 Elevated +13.1
Waller County, TX 56.5 Elevated +10.5
Grimes County, TX 53.7 Elevated +7.6

Population Peers

County Score Zone vs. Montgomery County
Lexington County, SC 46.0 Normal -0.1
York County, SC 46.0 Normal -0.1
Sussex County, DE 46.3 Normal +0.2
Essex County, MA 46.4 Normal +0.3
Thurston County, WA 45.8 Normal -0.3

Download Data

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

Find Help in Montgomery County

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 Montgomery 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.

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Frequently Asked Questions

  • What is the distress score for Montgomery County, Texas?

    Montgomery County has a County Distress Index score of 46.1 out of 100, placing it in the Normal zone. It ranks 1,892nd nationally out of 3,144 counties and 207th in Texas out of 254 counties.

  • What drives financial distress in Montgomery County?

    The primary driver of distress in Montgomery County is Housing Cost Burden, where the county scores 65.5 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Montgomery County compare to neighboring counties?

    Montgomery County (46.1) can be compared to its 6 neighboring counties: Walker County, TX (68.8); Liberty County, TX (67.5); San Jacinto County, TX (66.0).

  • 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 Montgomery County?

    Montgomery County, Texas has a population of approximately 711,354 (2023 Census estimate), classified as a large county.