Rains County, Texas

County Distress Index: Elevated · 56.0 | 12,986 people · 149th most distressed in Texas

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Rains County, TX registers elevated household financial distress with a score of 56.0 — 1142nd 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 149th of 254 counties. Among its 4 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Rains County's primary driver is Community Vulnerability at 85.3 — worse than roughly 85% of U.S. counties.

Community Vulnerability Primary driver 85.3
Uninsured Rate 87
Disability Rate 84
Debt & Delinquency 66.7
Debt in Collections 79
Medical Debt 92
Student Loan Delinquency 80
Auto Loan Delinquency 70
Credit Card Delinquency 60
Bankruptcy Filing Rate 19
Income & Poverty 51.0
Poverty Rate 52
Income vs. State Median 37
Child Poverty Rate 64
Employment & Wages 47.8
Unemployment Rate 41
Wage-to-Rent Ratio 63
Business Formation Rate 40
Housing Cost Burden 29.3
Rent-Burdened (30%+) 25
Severely Rent-Burdened (50%+) 15
Mortgage-Burdened (30%+) 77
Homeownership Rate 8
Rent-to-Income Ratio 22

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

Neighbors and Peers

How Rains County compares to its 4 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Rains County
Rains County, TX 56.0 Elevated
Hunt County, TX 64.7 Elevated +8.6
Wood County, TX 60.5 Elevated +4.4
Hopkins County, TX 57.4 Elevated +1.4
Van Zandt County, TX 55.8 Elevated -0.2

Population Peers

County Score Zone vs. Rains County
Crawford County, MI 56.0 Elevated 0.0
Montgomery County, KY 56.0 Elevated -0.0
De Soto Parish, LA 56.0 Elevated -0.1
Fannin County, TX 56.1 Elevated +0.1
Caldwell County, KY 56.0 Elevated -0.1

Download Data

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

Find Help in Rains 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 Rains 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.

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.