Rockwall County, Texas

County Distress Index: Normal · 38.7 | 131,307 people · 238th most distressed in Texas
American Default Research

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Rockwall County, TX falls within the normal range for household financial distress at 38.7 — 2426th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing costs consume a moderate share of household income. Within Texas, it ranks 238th 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. Rockwall County's primary driver is Housing Cost Burden at 59.4 — above the national median.

Housing Cost Burden Primary driver 59.4
Rent-Burdened (30%+) 81
Severely Rent-Burdened (50%+) 74
Mortgage-Burdened (30%+) 99
Homeownership Rate 8
Rent-to-Income Ratio 35
Debt & Delinquency 55.3
Debt in Collections 49
Medical Debt 78
Student Loan Delinquency 38
Auto Loan Delinquency 45
Credit Card Delinquency 44
Bankruptcy Filing Rate 77
Employment & Wages 47.5
Unemployment Rate 38
Wage-to-Rent Ratio 97
Business Formation Rate 8
Community Vulnerability 30.4
Uninsured Rate 59
Disability Rate 2
Income & Poverty 1.1
Poverty Rate 1
Income vs. State Median 1
Child Poverty Rate 2

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Rockwall County
Rockwall County, TX 38.7 Normal —
Hunt County, TX 64.7 Elevated +26.0
Dallas County, TX 60.3 Elevated +21.6
Kaufman County, TX 55.1 Elevated +16.4
Collin County, TX 38.1 Normal -0.6

Population Peers

County Score Zone vs. Rockwall County
Adams County, PA 38.7 Normal 0.0
Chambers County, TX 38.7 Normal +0.0
Fayette County, GA 38.7 Normal -0.1
Alexandria city, VA 38.8 Normal +0.1
Jessamine County, KY 38.6 Normal -0.1

Download Data

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

Find Help in Rockwall 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 Rockwall 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 Rockwall County, Texas?

    Rockwall County has a County Distress Index score of 38.7 out of 100, placing it in the Normal zone. It ranks 2,426th nationally out of 3,144 counties and 238th in Texas out of 254 counties.

  • What drives financial distress in Rockwall County?

    The primary driver of distress in Rockwall County is Housing Cost Burden, where the county scores 59.4 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Rockwall County compare to neighboring counties?

    Rockwall County (38.7) can be compared to its 4 neighboring counties: Hunt County, TX (64.7); Dallas County, TX (60.3); Kaufman County, TX (55.1).

  • 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 Rockwall County?

    Rockwall County, Texas has a population of approximately 131,307 (2023 Census estimate), classified as a mid county.