Reagan County, Texas

County Distress Index: Normal · 39.7 | 3,141 people · 235th most distressed in Texas
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Reagan County, TX falls within the normal range for household financial distress at 39.7 — 2369th 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 235th of 254 counties. Among its 7 neighboring counties, 6 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Reagan County's primary driver is Debt & Delinquency at 71.7 — above the national median.

Debt & Delinquency Primary driver 71.7
Debt in Collections 88
Medical Debt 91
Student Loan Delinquency 80
Auto Loan Delinquency 74
Credit Card Delinquency 73
Bankruptcy Filing Rate 25
Community Vulnerability 48.8
Uninsured Rate 93
Disability Rate 5
Housing Cost Burden 31.8
Rent-Burdened (30%+) 7
Severely Rent-Burdened (50%+) 71
Mortgage-Burdened (30%+) 30
Homeownership Rate 41
Rent-to-Income Ratio 10
Income & Poverty 25.1
Poverty Rate 26
Income vs. State Median 17
Child Poverty Rate 32
Employment & Wages 20.9
Unemployment Rate 41
Wage-to-Rent Ratio 5
Business Formation Rate 17

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

Neighbors and Peers

How Reagan County compares to its 7 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Reagan County
Reagan County, TX 39.7 Normal —
Tom Green County, TX 60.0 Elevated +20.3
Upton County, TX 46.2 Normal +6.5
Midland County, TX 45.4 Normal +5.7
Crockett County, TX 44.6 Normal +4.9
Sterling County, TX 42.9 Normal +3.3
Irion County, TX 40.6 Normal +0.9
Glasscock County, TX 31.9 Healthy -7.7

Population Peers

County Score Zone vs. Reagan County
Ringgold County, IA 39.7 Normal 0.0
Greene County, IA 39.6 Normal -0.0
Emmet County, IA 39.7 Normal +0.0
Cherry County, NE 39.7 Normal +0.1
Shelby County, MO 39.6 Normal -0.1

Download Data

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

Find Help in Reagan 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 Reagan 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 Reagan County, Texas?

    Reagan County has a County Distress Index score of 39.7 out of 100, placing it in the Normal zone. It ranks 2,369th nationally out of 3,144 counties and 235th in Texas out of 254 counties.

  • What drives financial distress in Reagan County?

    The primary driver of distress in Reagan County is Debt & Delinquency, where the county scores 71.7 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Reagan County compare to neighboring counties?

    Reagan County (39.7) can be compared to its 7 neighboring counties: Tom Green County, TX (60.0); Upton County, TX (46.2); Midland County, TX (45.4).

  • 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 Reagan County?

    Reagan County, Texas has a population of approximately 3,141 (2023 Census estimate), classified as a tiny county.