Tioga County, New York

County Distress Index: Normal · 44.2 | 47,715 people · 33rd most distressed in New York
American Default Research

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Tioga County, NY falls within the normal range for household financial distress at 44.2 — 1944th 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 York, it ranks 33rd of 62 counties. Its score is in the middle of its 6 neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Tioga County's primary driver is Housing Cost Burden at 71.0 — above the national median.

Housing Cost Burden Primary driver 71.0
Rent-Burdened (30%+) 78
Severely Rent-Burdened (50%+) 82
Mortgage-Burdened (30%+) 72
Homeownership Rate 28
Structural Poverty 48.2
Unemployment Rate 49
Poverty Rate 48
Income vs. State Median 54
Child Poverty Rate 51
Disability Rate 49
Transfer Income Dependency 40
Legal Distress 36.5
Bankruptcy Filing Rate 36
Consumer Credit Distress 34.4
Debt in Collections 33
Medical Debt 7
Auto Loan Delinquency 60
Credit Card Delinquency 58
Uninsured Rate 1
Subprime Credit Population 27
Economic Vitality 30.1
Wage-to-Rent Ratio 7
Rent-to-Income Ratio 34
Business Formation Rate 96
House Price Change (YoY) 5

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Tioga County
Tioga County, NY 44.2 Normal —
Chemung County, NY 58.9 Elevated +14.7
Broome County, NY 51.1 Elevated +6.9
Cortland County, NY 51.0 Elevated +6.8
Susquehanna County, PA 40.7 Normal -3.5
Tompkins County, NY 40.4 Normal -3.8
Bradford County, PA 39.6 Normal -4.6

Population Peers

CountyScoreZonevs. Tioga County
Lawrence County, IL 44.2 Normal +0.0
Van Wert County, OH 44.1 Normal -0.1
Macon County, MO 44.3 Normal +0.1
Webster County, KY 44.3 Normal +0.1
Box Butte County, NE 44.1 Normal -0.1

Download Data

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

Find Help in Tioga 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 Tioga 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 Tioga County, New York?

    Tioga County has a County Distress Index score of 44.2 out of 100, placing it in the Normal zone. It ranks 1,944th nationally out of 3,144 counties and 33rd in New York out of 62 counties.

  • What drives financial distress in Tioga County?

    The primary driver of distress in Tioga County is Housing Cost Burden, where the county scores 71.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Tioga County compare to neighboring counties?

    Tioga County (44.2) can be compared to its 6 neighboring counties: Chemung County, NY (58.9); Broome County, NY (51.1); Cortland County, NY (51.0).

  • 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). Tioga County's score of 44.2 sits in the Normal zone (46–55).

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

    Tioga 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 Tioga County?

    Tioga County, New York has a population of approximately 47,715 (2023 Census estimate), classified as a small county.