Sherman County, Texas

County Distress Index: Normal · 45.8 | 2,678 people · 208th most distressed in Texas
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Sherman County, TX falls within the normal range for household financial distress at 45.8 — 1918th 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 208th of 254 counties. Among its 7 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Sherman County's primary driver is Community Vulnerability at 87.7 — worse than roughly 88% of U.S. counties.

Community Vulnerability Primary driver 87.7
Uninsured Rate 89
Disability Rate 86
Debt & Delinquency 63.8
Debt in Collections 34
Medical Debt 75
Student Loan Delinquency 80
Auto Loan Delinquency 62
Credit Card Delinquency 73
Bankruptcy Filing Rate 60
Income & Poverty 40.2
Poverty Rate 44
Income vs. State Median 29
Child Poverty Rate 48
Employment & Wages 20.8
Unemployment Rate 10
Wage-to-Rent Ratio 17
Business Formation Rate 35
Housing Cost Burden 16.2
Rent-Burdened (30%+) 5
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 5
Homeownership Rate 50
Rent-to-Income Ratio 16

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Sherman County
Sherman County, TX 45.8 Normal —
Cimarron County, OK 56.3 Elevated +10.5
Hutchinson County, TX 53.9 Elevated +8.2
Moore County, TX 51.5 Elevated +5.8
Dallam County, TX 47.5 Normal +1.8
Hansford County, TX 47.0 Normal +1.2
Texas County, OK 44.3 Normal -1.5
Hartley County, TX 30.9 Healthy -14.8

Population Peers

County Score Zone vs. Sherman County
Sitka City and Borough, AK 45.8 Normal +0.1
Hitchcock County, NE 45.8 Normal +0.1
Kane County, UT 45.7 Normal -0.1
Schuyler County, IL 45.6 Normal -0.1
Pawnee County, KS 45.6 Normal -0.2

Download Data

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

Find Help in Sherman 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 Sherman 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 Sherman County, Texas?

    Sherman County has a County Distress Index score of 45.8 out of 100, placing it in the Normal zone. It ranks 1,918th nationally out of 3,144 counties and 208th in Texas out of 254 counties.

  • What drives financial distress in Sherman County?

    The primary driver of distress in Sherman County is Community Vulnerability, where the county scores 87.7 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Sherman County compare to neighboring counties?

    Sherman County (45.8) can be compared to its 7 neighboring counties: Cimarron County, OK (56.3); Hutchinson County, TX (53.9); Moore County, TX (51.5).

  • 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 Sherman County?

    Sherman County, Texas has a population of approximately 2,678 (2023 Census estimate), classified as a tiny county.