Panola County, Texas

County Distress Index: Elevated · 55.8 | 22,838 people · 152nd most distressed in Texas

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Panola County, TX registers elevated household financial distress with a score of 55.8 — 1160th 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 152nd 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. Panola County's primary driver is Community Vulnerability at 81.2 — worse than roughly 81% of U.S. counties.

Community Vulnerability Primary driver 81.2
Uninsured Rate 94
Disability Rate 68
Debt & Delinquency 79.2
Debt in Collections 88
Medical Debt 86
Student Loan Delinquency 93
Auto Loan Delinquency 73
Credit Card Delinquency 79
Bankruptcy Filing Rate 56
Income & Poverty 47.6
Poverty Rate 50
Income vs. State Median 38
Child Poverty Rate 55
Employment & Wages 42.0
Unemployment Rate 80
Wage-to-Rent Ratio 9
Business Formation Rate 37
Housing Cost Burden 28.8
Rent-Burdened (30%+) 39
Severely Rent-Burdened (50%+) 19
Mortgage-Burdened (30%+) 37
Homeownership Rate 22
Rent-to-Income Ratio 26

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Panola County
Panola County, TX 55.8 Elevated
Caddo Parish, LA 70.7 Serious +14.9
Harrison County, TX 63.7 Elevated +8.0
Shelby County, TX 61.5 Elevated +5.8
Rusk County, TX 59.1 Elevated +3.3
De Soto Parish, LA 56.0 Elevated +0.2

Population Peers

County Score Zone vs. Panola County
Lamar County, AL 55.8 Elevated 0.0
Hot Spring County, AR 55.8 Elevated -0.0
Vernon County, MO 55.8 Elevated -0.0
Cowley County, KS 55.7 Elevated -0.0
Tishomingo County, MS 55.7 Elevated -0.0

Download Data

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Find Help in Panola 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 Panola 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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