Genesee County, New York

County Distress Index: Normal · 38.9 | 57,529 people · 53rd most distressed in New York
American Default Research

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Genesee County, NY falls within the normal range for household financial distress at 38.9 — 2267th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing costs consume a moderate share of household income. Within New York, it ranks 53rd of 62 counties. Among its 6 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Genesee County's primary driver is Housing Cost Burden at 61.4 — above the national median.

Housing Cost Burden Primary driver 61.4
Rent-Burdened (30%+) 66
Severely Rent-Burdened (50%+) 58
Mortgage-Burdened (30%+) 70
Homeownership Rate 51
Economic Vitality 52.9
Wage-to-Rent Ratio 48
Rent-to-Income Ratio 34
Business Formation Rate 97
House Price Change (YoY) 49
Structural Poverty 37.0
Unemployment Rate 41
Poverty Rate 24
Income vs. State Median 39
Child Poverty Rate 31
Disability Rate 42
Transfer Income Dependency 42
Consumer Credit Distress 29.4
Debt in Collections 30
Medical Debt 7
Auto Loan Delinquency 29
Credit Card Delinquency 45
Uninsured Rate 6
Subprime Credit Population 41
Legal Distress 17.9
Bankruptcy Filing Rate 18

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Genesee County
Genesee County, NY 38.9 Normal —
Orleans County, NY 51.9 Elevated +13.0
Monroe County, NY 50.2 Elevated +11.4
Niagara County, NY 48.8 Normal +9.9
Erie County, NY 46.4 Normal +7.6
Livingston County, NY 41.5 Normal +2.7
Wyoming County, NY 22.9 Healthy -16.0

Population Peers

CountyScoreZonevs. Genesee County
Marquette County, MI 39.0 Normal +0.1
Moore County, NC 38.7 Normal -0.1
Kendall County, TX 39.0 Normal +0.2
Lower Connecticut River Valley Planning Region, CT 39.1 Normal +0.2
Barnstable County, MA 39.1 Normal +0.3

Download Data

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

Find Help in Genesee County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Genesee County.

PATHSTONE CORPORATION- BATAVIA, NY
Batavia
585-343-2188 Website
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling

See all counselors in New York →

Find an Attorney

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

New York State Bar Association Lawyer Referral Service 1-800-342-3661

Free Legal Aid

Legal aid organizations serving Genesee County residents at no cost.

Legal Services NYC 1-917-661-4500
Legal Aid Society 1-212-577-3300
Empire Justice Center 1-585-454-4060
Legal Aid Society of Northeastern New York 1-800-462-2922
Legal Aid Society of Mid-New York, Inc. (877) 777-6152
Legal Assistance of Western New York, Inc. (585) 325-2520
Legal Services of the Hudson Valley (877) 574-8529
Nassau/Suffolk Law Services Committee, Inc. (631) 232-2400
Neighborhood Legal Services, Inc. (716) 847-0650

Self-Help Resources

NYCourts.gov Foreclosure Help Official court system page with information about the foreclosure process, settlement conferences, and available resources. Includes court forms and instructions for pro se litigants.
LawHelp NY — Foreclosure Resources Comprehensive self-help legal information portal for New York residents. Includes foreclosure guides, court form generators, and legal services finder organized by county.

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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

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Frequently Asked Questions

  • What is the distress score for Genesee County, New York?

    Genesee County has a County Distress Index score of 38.9 out of 100, placing it in the Normal zone. It ranks 2,267th nationally out of 3,144 counties and 53rd in New York out of 62 counties.

  • What drives financial distress in Genesee County?

    The primary driver of distress in Genesee County is Housing Cost Burden, where the county scores 61.4 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Genesee County compare to neighboring counties?

    Genesee County (38.9) can be compared to its 6 neighboring counties: Orleans County, NY (51.9); Monroe County, NY (50.2); Niagara County, NY (48.8).

  • 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). Genesee County's score of 38.9 sits in the Normal zone (46–55).

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

    Genesee 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 Genesee County?

    Genesee County, New York has a population of approximately 57,529 (2023 Census estimate), classified as a mid county.