Yates County, New York

County Distress Index: Normal · 43.3 | 24,472 people · 42nd most distressed in New York
American Default Research

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Yates County, NY falls within the normal range for household financial distress at 43.3 — 1997th nationally out of 3144 counties. The primary driver is Economic Vitality, where employment and wage conditions show moderate stress. Within New York, it ranks 42nd of 62 counties. Its score is in the middle of its 4 neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Yates County's primary driver is Economic Vitality at 57.5 — above the national median.

Economic Vitality Primary driver 57.5
Wage-to-Rent Ratio 63
Rent-to-Income Ratio 38
Business Formation Rate 91
House Price Change (YoY) 22
Consumer Credit Distress 46.9
Debt in Collections 37
Medical Debt 7
Auto Loan Delinquency 75
Credit Card Delinquency 79
Uninsured Rate 96
Subprime Credit Population 17
Structural Poverty 45.9
Unemployment Rate 55
Poverty Rate 40
Income vs. State Median 60
Child Poverty Rate 52
Disability Rate 10
Transfer Income Dependency 51
Housing Cost Burden 42.0
Rent-Burdened (30%+) 41
Severely Rent-Burdened (50%+) 40
Mortgage-Burdened (30%+) 63
Homeownership Rate 34
Legal Distress 1.3
Bankruptcy Filing Rate 1

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Yates County
Yates County, NY 43.3 Normal —
Seneca County, NY 53.1 Elevated +9.8
Steuben County, NY 43.4 Normal +0.1
Schuyler County, NY 39.0 Normal -4.3
Ontario County, NY 35.9 Normal -7.4

Population Peers

CountyScoreZonevs. Yates County
Clarion County, PA 43.3 Normal -0.0
Pulaski County, IN 43.3 Normal -0.0
Elmore County, ID 43.4 Normal +0.1
Iosco County, MI 43.2 Normal -0.1
Perry County, IN 43.4 Normal +0.1

Download Data

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

Find Help in Yates County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Yates County.

KEUKA HOUSING COUNCIL
Penn Yan
315-536-8707
Foreclosure PreventionFinancial CounselingHome Improvement/RehabHomeless/Displacement

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 Yates 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 Yates County, New York?

    Yates County has a County Distress Index score of 43.3 out of 100, placing it in the Normal zone. It ranks 1,997th nationally out of 3,144 counties and 42nd in New York out of 62 counties.

  • What drives financial distress in Yates County?

    The primary driver of distress in Yates County is Economic Vitality, where the county scores 57.5 out of 100. This domain is measured by indicators including Wage-to-Rent Ratio, Rent-to-Income Ratio, Business Formation Rate.

  • How does Yates County compare to neighboring counties?

    Yates County (43.3) can be compared to its 4 neighboring counties: Seneca County, NY (53.1); Steuben County, NY (43.4); Schuyler County, NY (39.0).

  • 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). Yates County's score of 43.3 sits in the Normal zone (46–55).

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

    Yates 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 Yates County?

    Yates County, New York has a population of approximately 24,472 (2023 Census estimate), classified as a small county.