Warren County, New Jersey

County Distress Index: Normal · 43.8 | 111,252 people · 15th most distressed in New Jersey
American Default Research

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Warren County, NJ falls within the normal range for household financial distress at 43.8 — 1967th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within New Jersey, it ranks 15th of 21 counties. Among its 6 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Warren County's primary driver is Housing Cost Burden at 76.0 — worse than roughly 76% of U.S. counties.

Housing Cost Burden Primary driver 76.0
Rent-Burdened (30%+) 76
Severely Rent-Burdened (50%+) 80
Mortgage-Burdened (30%+) 99
Homeownership Rate 51
Economic Vitality 68.7
Wage-to-Rent Ratio 92
Rent-to-Income Ratio 67
Business Formation Rate 36
House Price Change (YoY) 19
Legal Distress 54.6
Bankruptcy Filing Rate 55
Structural Poverty 27.8
Unemployment Rate 67
Poverty Rate 9
Income vs. State Median 45
Child Poverty Rate 12
Disability Rate 14
Transfer Income Dependency 21
Consumer Credit Distress 26.9
Debt in Collections 24
Medical Debt 32
Auto Loan Delinquency 15
Credit Card Delinquency 35
Uninsured Rate 14
Subprime Credit Population 34

Scores are percentile-based: 50 = national median, higher = more distressed.

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Warren County
Warren County, NJ 43.8 Normal —
Monroe County, PA 68.2 Serious +24.4
Northampton County, PA 53.0 Elevated +9.2
Sussex County, NJ 41.8 Normal -2.0
Bucks County, PA 34.7 Healthy -9.1
Morris County, NJ 27.4 Healthy -16.4
Hunterdon County, NJ 26.3 Healthy -17.6

Population Peers

CountyScoreZonevs. Warren County
Fairbanks North Star Borough, AK 43.8 Normal -0.1
Newaygo County, MI 43.9 Normal +0.1
Franklin County, PA 43.9 Normal +0.1
Boone County, IL 43.9 Normal +0.1
Alexandria city, VA 43.9 Normal +0.1

Download Data

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

Find Help in Warren County

Find an Attorney

New Jersey State Bar Association Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

New Jersey State Bar Association Lawyer Referral Service 1-800-792-8315

Free Legal Aid

Legal aid organizations serving Warren County residents at no cost.

Legal Services of New Jersey 1-888-576-5529
Community Health Law Project
New Jersey State Bar Foundation — Lawyer Referral Service 1-800-792-8315
Central Jersey Legal Services, Inc. (732) 249-7600
Essex-Newark Legal Services Project, Inc. (973) 624-4500
Legal Services of Northwest Jersey, Inc. (908) 231-0840
Northeast New Jersey Legal Services Corporation (201) 792-6363
South Jersey Legal Services, Inc. (800) 496-4570

Self-Help Resources

NJ Courts Foreclosure Self-Help Center Official NJ Courts self-help guidance on foreclosure proceedings

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Need legal help? Find a foreclosure defense attorney in New Jersey →

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Frequently Asked Questions

  • What is the distress score for Warren County, New Jersey?

    Warren County has a County Distress Index score of 43.8 out of 100, placing it in the Normal zone. It ranks 1,967th nationally out of 3,144 counties and 15th in New Jersey out of 21 counties.

  • What drives financial distress in Warren County?

    The primary driver of distress in Warren County is Housing Cost Burden, where the county scores 76.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Warren County compare to neighboring counties?

    Warren County (43.8) can be compared to its 6 neighboring counties: Monroe County, PA (68.2); Northampton County, PA (53.0); Sussex County, NJ (41.8).

  • How is the County Distress Index calculated?

    The County Distress Index uses PCA-weighted percentile scoring across five statistically derived factors: Consumer Credit Distress (47.5%), Housing Cost Burden (22.3%), Structural Poverty (13.6%), Economic Vitality (9.2%), and Legal Distress (7.4%). 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.

  • How often is the CDI updated?

    Annually, aligned to Census American Community Survey and Urban Institute Debt in America release windows — the slowest-moving source inputs. Between annual refreshes, faster-cadence indicators (BLS unemployment, QCEW wages) may drive light mid-year updates if a specific component moves meaningfully. Current data compiled April 14, 2026; next full refresh early 2027.

  • What does the Normal zone mean?

    The CDI divides counties into five zones: Healthy (below 46), Normal (46–55), Elevated (55–71), Serious (71–86), and Crisis (86 and above). Warren County's score of 43.8 sits in the Normal zone (46–55).

  • What data sources power Warren County's CDI score?

    Warren County's CDI score draws on Urban Institute Debt in America (Equifax credit-bureau panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (LAUS, QCEW), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Every number on this page traces to one of these public sources.

  • What is the population of Warren County?

    Warren County, New Jersey has a population of approximately 111,252 (2023 Census estimate), classified as a mid county.