Washington County, New York

County Distress Index: Elevated · 51.3 | 60,047 people · 17th most distressed in New York
American Default Research

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Washington County, NY registers elevated household financial distress with a score of 51.3 — 1497th 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 17th of 62 counties. It scores higher than all 7 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Washington County's primary driver is Housing Cost Burden at 71.8 — above the national median.

Housing Cost Burden Primary driver 71.8
Rent-Burdened (30%+) 72
Severely Rent-Burdened (50%+) 83
Mortgage-Burdened (30%+) 83
Homeownership Rate 38
Legal Distress 70.3
Bankruptcy Filing Rate 70
Economic Vitality 63.2
Wage-to-Rent Ratio 59
Rent-to-Income Ratio 64
Business Formation Rate 87
House Price Change (YoY) 34
Structural Poverty 42.3
Unemployment Rate 45
Poverty Rate 33
Income vs. State Median 40
Child Poverty Rate 38
Disability Rate 43
Transfer Income Dependency 51
Consumer Credit Distress 39.1
Debt in Collections 39
Medical Debt 7
Auto Loan Delinquency 36
Credit Card Delinquency 69
Uninsured Rate 15
Subprime Credit Population 48

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Washington County
Washington County, NY 51.3 Elevated —
Warren County, NY 48.4 Normal -2.9
Rensselaer County, NY 44.0 Normal -7.3
Rutland County, VT 43.3 Normal -8.1
Bennington County, VT 43.0 Normal -8.3
Essex County, NY 41.4 Normal -10.0
Saratoga County, NY 30.9 Healthy -20.4
Addison County, VT 26.7 Healthy -24.6

Population Peers

CountyScoreZonevs. Washington County
Reno County, KS 51.3 Elevated -0.0
Black Hawk County, IA 51.4 Elevated +0.1
Jackson County, GA 51.4 Elevated +0.1
Natrona County, WY 51.4 Elevated +0.1
Wilson County, TX 51.2 Elevated -0.1

Download Data

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

Find Help in Washington 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 Washington 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 Washington County, New York?

    Washington County has a County Distress Index score of 51.3 out of 100, placing it in the Elevated zone. It ranks 1,497th nationally out of 3,144 counties and 17th in New York out of 62 counties.

  • What drives financial distress in Washington County?

    The primary driver of distress in Washington County is Housing Cost Burden, where the county scores 71.8 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Washington County compare to neighboring counties?

    Washington County (51.3) can be compared to its 7 neighboring counties: Warren County, NY (48.4); Rensselaer County, NY (44.0); Rutland County, VT (43.3).

  • 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 Elevated 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). Washington County's score of 51.3 sits in the Elevated zone (55–71).

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

    Washington 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 Washington County?

    Washington County, New York has a population of approximately 60,047 (2023 Census estimate), classified as a mid county.