Oldham County, Texas

County Distress Index: Elevated · 50.3 | 1,783 people · 186th most distressed in Texas
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Oldham County, TX registers elevated household financial distress with a score of 50.3 — 1575th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Texas, it ranks 186th of 254 counties. Among its 6 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Oldham County's primary driver is Debt & Delinquency at 66.4 — above the national median.

Debt & Delinquency Primary driver 66.4
Debt in Collections 45
Medical Debt 85
Student Loan Delinquency 80
Auto Loan Delinquency 74
Credit Card Delinquency 73
Bankruptcy Filing Rate 42
Employment & Wages 56.7
Unemployment Rate 34
Wage-to-Rent Ratio 64
Business Formation Rate 72
Income & Poverty 49.6
Poverty Rate 40
Income vs. State Median 23
Child Poverty Rate 86
Community Vulnerability 46.7
Uninsured Rate 88
Disability Rate 5
Housing Cost Burden 31.8
Rent-Burdened (30%+) 17
Severely Rent-Burdened (50%+) 35
Mortgage-Burdened (30%+) 10
Homeownership Rate 65
Rent-to-Income Ratio 31

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Oldham County
Oldham County, TX 50.3 Elevated —
Quay County, NM 67.7 Serious +17.4
Potter County, TX 66.8 Serious +16.5
Deaf Smith County, TX 57.2 Elevated +7.0
Moore County, TX 51.5 Elevated +1.3
Randall County, TX 41.7 Normal -8.5
Hartley County, TX 30.9 Healthy -19.3

Population Peers

County Score Zone vs. Oldham County
Deer Lodge County, MT 50.2 Elevated -0.0
Schleicher County, TX 50.2 Elevated -0.0
Pocahontas County, WV 50.2 Elevated -0.1
Harding County, NM 50.3 Elevated +0.1
Stonewall County, TX 50.3 Elevated +0.1

Download Data

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

Find Help in Oldham 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 Oldham 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.

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Frequently Asked Questions

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

    Oldham County has a County Distress Index score of 50.3 out of 100, placing it in the Elevated zone. It ranks 1,575th nationally out of 3,144 counties and 186th in Texas out of 254 counties.

  • What drives financial distress in Oldham County?

    The primary driver of distress in Oldham County is Debt & Delinquency, where the county scores 66.4 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Oldham County compare to neighboring counties?

    Oldham County (50.3) can be compared to its 6 neighboring counties: Quay County, NM (67.7); Potter County, TX (66.8); Deaf Smith County, TX (57.2).

  • 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 Oldham County?

    Oldham County, Texas has a population of approximately 1,783 (2023 Census estimate), classified as a tiny county.