Steuben County, New York

County Distress Index: Normal · 43.4 | 92,162 people · 41st most distressed in New York
American Default Research

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Steuben County, NY falls within the normal range for household financial distress at 43.4 — 1987th 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 41st of 62 counties. Among its 8 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Steuben County's primary driver is Housing Cost Burden at 59.4 — above the national median.

Housing Cost Burden Primary driver 59.4
Rent-Burdened (30%+) 60
Severely Rent-Burdened (50%+) 64
Mortgage-Burdened (30%+) 47
Homeownership Rate 55
Structural Poverty 56.1
Unemployment Rate 67
Poverty Rate 56
Income vs. State Median 66
Child Poverty Rate 57
Disability Rate 45
Transfer Income Dependency 47
Consumer Credit Distress 37.8
Debt in Collections 41
Medical Debt 7
Auto Loan Delinquency 35
Credit Card Delinquency 62
Uninsured Rate 14
Subprime Credit Population 47
Economic Vitality 36.2
Wage-to-Rent Ratio 3
Rent-to-Income Ratio 41
Business Formation Rate 93
House Price Change (YoY) 80
Legal Distress 17.2
Bankruptcy Filing Rate 17

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Steuben County
Steuben County, NY 43.4 Normal —
Chemung County, NY 58.9 Elevated +15.5
Allegany County, NY 44.6 Normal +1.2
Tioga County, PA 44.0 Normal +0.5
Yates County, NY 43.3 Normal -0.1
Livingston County, NY 41.5 Normal -1.9
Schuyler County, NY 39.0 Normal -4.5
Ontario County, NY 35.9 Normal -7.6
Potter County, PA 34.9 Healthy -8.5

Population Peers

CountyScoreZonevs. Steuben County
Wayne County, PA 43.4 Normal -0.0
Walla Walla County, WA 43.5 Normal +0.1
Clearfield County, PA 43.4 Normal -0.1
Campbell County, VA 43.6 Normal +0.1
Rutland County, VT 43.3 Normal -0.2

Download Data

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

Find Help in Steuben County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Steuben County.

STEUBEN CHURCHPEOPLE AGAINST POVERTY, INC. D/B/A ARBOR HOUSING AND DEVELOPMENT
Corning
607-654-7487 Website
Foreclosure PreventionFinancial CounselingPre-PurchaseRental Help

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 Steuben 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 Steuben County, New York?

    Steuben County has a County Distress Index score of 43.4 out of 100, placing it in the Normal zone. It ranks 1,987th nationally out of 3,144 counties and 41st in New York out of 62 counties.

  • What drives financial distress in Steuben County?

    The primary driver of distress in Steuben County is Housing Cost Burden, where the county scores 59.4 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Steuben County compare to neighboring counties?

    Steuben County (43.4) can be compared to its 8 neighboring counties: Chemung County, NY (58.9); Allegany County, NY (44.6); Tioga County, PA (44.0).

  • 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). Steuben County's score of 43.4 sits in the Normal zone (46–55).

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

    Steuben 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 Steuben County?

    Steuben County, New York has a population of approximately 92,162 (2023 Census estimate), classified as a mid county.