Terry County, Texas

County Distress Index: Serious · 69.3 | 11,547 people · 43rd most distressed in Texas
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Terry County, TX shows significant household financial distress with a score of 69.3 — 242nd nationally out of 3144 counties. The primary driver is Income & Poverty, where poverty rates are high and household incomes lag well behind state and national medians. Within Texas, it ranks 43rd of 254 counties. It scores higher than all 7 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Terry County's primary driver is Income & Poverty at 89.3 — worse than roughly 89% of U.S. counties.

Income & Poverty Primary driver 89.3
Poverty Rate 83
Income vs. State Median 95
Child Poverty Rate 90
Debt & Delinquency 78.9
Debt in Collections 95
Medical Debt 95
Student Loan Delinquency 80
Auto Loan Delinquency 90
Credit Card Delinquency 89
Bankruptcy Filing Rate 24
Community Vulnerability 67.0
Uninsured Rate 95
Disability Rate 39
Housing Cost Burden 66.7
Rent-Burdened (30%+) 67
Severely Rent-Burdened (50%+) 85
Mortgage-Burdened (30%+) 10
Homeownership Rate 85
Rent-to-Income Ratio 87
Employment & Wages 44.8
Unemployment Rate 58
Wage-to-Rent Ratio 41
Business Formation Rate 35

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Terry County
Terry County, TX 69.3 Serious —
Dawson County, TX 66.8 Serious -2.5
Cochran County, TX 64.0 Elevated -5.4
Lubbock County, TX 63.7 Elevated -5.7
Hockley County, TX 57.7 Elevated -11.6
Lynn County, TX 51.4 Elevated -17.9
Yoakum County, TX 40.6 Normal -28.7
Gaines County, TX 38.7 Normal -30.7

Population Peers

County Score Zone vs. Terry County
Palo Pinto County, TX 69.3 Serious -0.0
Cook County, GA 69.4 Serious +0.0
Hamilton County, FL 69.3 Serious -0.0
Harlan County, KY 69.3 Serious -0.1
Fulton County, AR 69.4 Serious +0.1

Download Data

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

Find Help in Terry 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 Terry 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 Terry County, Texas?

    Terry County has a County Distress Index score of 69.3 out of 100, placing it in the Serious zone. It ranks 242nd nationally out of 3,144 counties and 43rd in Texas out of 254 counties.

  • What drives financial distress in Terry County?

    The primary driver of distress in Terry County is Income & Poverty, where the county scores 89.3 out of 100. This domain is measured by indicators including Poverty Rate, Income vs. State Median, Child Poverty Rate.

  • How does Terry County compare to neighboring counties?

    Terry County (69.3) can be compared to its 7 neighboring counties: Dawson County, TX (66.8); Cochran County, TX (64.0); Lubbock County, TX (63.7).

  • 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 Terry County?

    Terry County, Texas has a population of approximately 11,547 (2023 Census estimate), classified as a small county.