Schuyler County, New York

County Distress Index: Normal · 39.0 | 17,507 people · 52nd most distressed in New York
American Default Research

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Schuyler County, NY falls within the normal range for household financial distress at 39.0 — 2257th nationally out of 3144 counties. The primary driver is Structural Poverty, where income and poverty levels indicate moderate economic strain. Within New York, it ranks 52nd of 62 counties. It scores lower than all 5 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Schuyler County's primary driver is Structural Poverty at 59.8 — above the national median.

Structural Poverty Primary driver 59.8
Unemployment Rate 78
Poverty Rate 48
Income vs. State Median 63
Child Poverty Rate 56
Disability Rate 43
Transfer Income Dependency 68
Housing Cost Burden 58.5
Rent-Burdened (30%+) 59
Severely Rent-Burdened (50%+) 69
Mortgage-Burdened (30%+) 62
Homeownership Rate 29
Economic Vitality 57.3
Wage-to-Rent Ratio 64
Rent-to-Income Ratio 51
Business Formation Rate 74
House Price Change (YoY) 8
Consumer Credit Distress 25.4
Debt in Collections 28
Medical Debt 7
Auto Loan Delinquency 38
Credit Card Delinquency 32
Uninsured Rate 9
Subprime Credit Population 25
Legal Distress 6.0
Bankruptcy Filing Rate 6

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Schuyler County
Schuyler County, NY 39.0 Normal —
Chemung County, NY 58.9 Elevated +19.9
Seneca County, NY 53.1 Elevated +14.1
Steuben County, NY 43.4 Normal +4.5
Yates County, NY 43.3 Normal +4.3
Tompkins County, NY 40.4 Normal +1.4

Population Peers

CountyScoreZonevs. Schuyler County
Atchison County, KS 39.0 Normal -0.0
Morgan County, IL 39.0 Normal +0.0
Sawyer County, WI 38.9 Normal -0.1
Trinity County, CA 39.2 Normal +0.2
Franklin County, ME 39.2 Normal +0.2

Download Data

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

Find Help in Schuyler 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 Schuyler 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 Schuyler County, New York?

    Schuyler County has a County Distress Index score of 39.0 out of 100, placing it in the Normal zone. It ranks 2,257th nationally out of 3,144 counties and 52nd in New York out of 62 counties.

  • What drives financial distress in Schuyler County?

    The primary driver of distress in Schuyler County is Structural Poverty, where the county scores 59.8 out of 100. This domain is measured by indicators including Unemployment Rate, Poverty Rate, Income vs. State Median.

  • How does Schuyler County compare to neighboring counties?

    Schuyler County (39.0) can be compared to its 5 neighboring counties: Chemung County, NY (58.9); Seneca County, NY (53.1); Steuben County, NY (43.4).

  • 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). Schuyler County's score of 39.0 sits in the Normal zone (46–55).

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

    Schuyler 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 Schuyler County?

    Schuyler County, New York has a population of approximately 17,507 (2023 Census estimate), classified as a small county.