Schoharie County, New York

County Distress Index: Normal · 40.0 | 30,105 people · 51st most distressed in New York
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Schoharie County, NY falls within the normal range for household financial distress at 40.0 — 2190th nationally out of 3144 counties. The primary driver is Economic Vitality, where wages are low relative to housing costs, business formation lags, and the local economy lacks dynamism. Within New York, it ranks 51st 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. Schoharie County's primary driver is Economic Vitality at 82.2 — worse than roughly 82% of U.S. counties.

Economic Vitality Primary driver 82.2
Wage-to-Rent Ratio 94
Rent-to-Income Ratio 99
Business Formation Rate 64
House Price Change (YoY) 4
Structural Poverty 54.9
Unemployment Rate 67
Poverty Rate 49
Income vs. State Median 67
Child Poverty Rate 43
Disability Rate 55
Transfer Income Dependency 47
Housing Cost Burden 46.7
Rent-Burdened (30%+) 45
Severely Rent-Burdened (50%+) 45
Mortgage-Burdened (30%+) 81
Homeownership Rate 31
Legal Distress 27.2
Bankruptcy Filing Rate 27
Consumer Credit Distress 26.5
Debt in Collections 32
Medical Debt 7
Auto Loan Delinquency 20
Credit Card Delinquency 37
Uninsured Rate 9
Subprime Credit Population 37

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Schoharie County
Schoharie County, NY 40.0 Normal —
Montgomery County, NY 64.6 Elevated +24.6
Schenectady County, NY 53.7 Elevated +13.6
Greene County, NY 43.8 Normal +3.7
Delaware County, NY 43.6 Normal +3.5
Albany County, NY 43.5 Normal +3.4
Otsego County, NY 36.8 Normal -3.2

Population Peers

CountyScoreZonevs. Schoharie County
Davie County, NC 40.0 Normal -0.0
Randolph County, IL 40.0 Normal -0.0
Fulton County, IL 40.0 Normal -0.0
Steuben County, IN 40.0 Normal -0.0
Union County, GA 40.2 Normal +0.1

Download Data

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

Find Help in Schoharie County

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 Schoharie 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 →

Continue Reading

Frequently Asked Questions

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

    Schoharie County has a County Distress Index score of 40.0 out of 100, placing it in the Normal zone. It ranks 2,190th nationally out of 3,144 counties and 51st in New York out of 62 counties.

  • What drives financial distress in Schoharie County?

    The primary driver of distress in Schoharie County is Economic Vitality, where the county scores 82.2 out of 100. This domain is measured by indicators including Wage-to-Rent Ratio, Rent-to-Income Ratio, Business Formation Rate.

  • How does Schoharie County compare to neighboring counties?

    Schoharie County (40.0) can be compared to its 6 neighboring counties: Montgomery County, NY (64.6); Schenectady County, NY (53.7); Greene County, NY (43.8).

  • 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). Schoharie County's score of 40.0 sits in the Normal zone (46–55).

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

    Schoharie 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 Schoharie County?

    Schoharie County, New York has a population of approximately 30,105 (2023 Census estimate), classified as a small county.