Navarro County, Texas

County Distress Index: Serious · 67.0 | 55,635 people · 63rd most distressed in Texas

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Navarro County, TX shows significant household financial distress with a score of 67.0 — 380th nationally out of 3144 counties. The primary driver is Community Vulnerability, where uninsured and disability rates are well above the national average. Within Texas, it ranks 63rd of 254 counties. Among its 5 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Navarro County's primary driver is Community Vulnerability at 80.0 — worse than roughly 80% of U.S. counties.

Community Vulnerability Primary driver 80.0
Uninsured Rate 95
Disability Rate 65
Debt & Delinquency 79.0
Debt in Collections 93
Medical Debt 89
Student Loan Delinquency 94
Auto Loan Delinquency 85
Credit Card Delinquency 73
Bankruptcy Filing Rate 40
Income & Poverty 62.3
Poverty Rate 66
Income vs. State Median 53
Child Poverty Rate 68
Housing Cost Burden 58.3
Rent-Burdened (30%+) 65
Severely Rent-Burdened (50%+) 32
Mortgage-Burdened (30%+) 66
Homeownership Rate 77
Rent-to-Income Ratio 51
Employment & Wages 55.4
Unemployment Rate 72
Wage-to-Rent Ratio 52
Business Formation Rate 42

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Navarro County
Navarro County, TX 67.0 Serious
Henderson County, TX 68.8 Serious +1.8
Freestone County, TX 62.7 Elevated -4.3
Limestone County, TX 61.9 Elevated -5.1
Hill County, TX 58.6 Elevated -8.5
Ellis County, TX 52.1 Elevated -14.9

Population Peers

County Score Zone vs. Navarro County
Victoria County, TX 67.0 Serious +0.0
Sumter County, SC 67.1 Serious +0.1
Wayne County, NC 66.9 Serious -0.1
Wichita County, TX 67.2 Serious +0.1
Madison County, TN 67.2 Serious +0.2

Download Data

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Find Help in Navarro 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 Navarro 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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