Upshur County, Texas

County Distress Index: Elevated · 63.4 | 43,281 people · 88th most distressed in Texas

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Upshur County, TX registers elevated household financial distress with a score of 63.4 — 602nd 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 88th 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. Upshur County's primary driver is Community Vulnerability at 82.6 — worse than roughly 83% of U.S. counties.

Community Vulnerability Primary driver 82.6
Uninsured Rate 82
Disability Rate 83
Debt & Delinquency 79.8
Debt in Collections 89
Medical Debt 96
Student Loan Delinquency 93
Auto Loan Delinquency 83
Credit Card Delinquency 90
Bankruptcy Filing Rate 29
Employment & Wages 61.0
Unemployment Rate 61
Wage-to-Rent Ratio 77
Business Formation Rate 45
Income & Poverty 50.6
Poverty Rate 53
Income vs. State Median 45
Child Poverty Rate 54
Housing Cost Burden 42.8
Rent-Burdened (30%+) 29
Severely Rent-Burdened (50%+) 41
Mortgage-Burdened (30%+) 53
Homeownership Rate 22
Rent-to-Income Ratio 70

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Upshur County
Upshur County, TX 63.4 Elevated
Marion County, TX 71.7 Serious +8.3
Morris County, TX 70.3 Serious +7.0
Camp County, TX 67.5 Serious +4.1
Gregg County, TX 65.1 Serious +1.7
Harrison County, TX 63.7 Elevated +0.3
Wood County, TX 60.5 Elevated -2.9
Smith County, TX 57.5 Elevated -5.9

Population Peers

County Score Zone vs. Upshur County
Vinton County, OH 63.4 Elevated +0.0
Morgan County, MO 63.4 Elevated +0.1
Wise County, VA 63.5 Elevated +0.1
McDonough County, IL 63.3 Elevated -0.1
Weakley County, TN 63.2 Elevated -0.1

Download Data

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Find Help in Upshur 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 Upshur 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.

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