Warren County, Pennsylvania

County Distress Index: Normal · 36.9 | 37,572 people · 52nd most distressed in Pennsylvania
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Warren County, PA falls within the normal range for household financial distress at 36.9 — 2367th nationally out of 3144 counties. The primary driver is Structural Poverty, where income and poverty levels indicate moderate economic strain. Within Pennsylvania, it ranks 52nd of 67 counties. Among its 8 neighboring counties, 6 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Warren County's primary driver is Structural Poverty at 59.7 — above the national median.

Structural Poverty Primary driver 59.7
Unemployment Rate 67
Poverty Rate 32
Income vs. State Median 71
Child Poverty Rate 46
Disability Rate 49
Transfer Income Dependency 78
Economic Vitality 47.0
Wage-to-Rent Ratio 26
Rent-to-Income Ratio 43
Business Formation Rate 88
House Price Change (YoY) 90
Consumer Credit Distress 36.0
Debt in Collections 34
Medical Debt 44
Auto Loan Delinquency 36
Credit Card Delinquency 44
Uninsured Rate 11
Subprime Credit Population 36
Legal Distress 34.0
Bankruptcy Filing Rate 34
Housing Cost Burden 21.8
Rent-Burdened (30%+) 20
Severely Rent-Burdened (50%+) 23
Mortgage-Burdened (30%+) 12
Homeownership Rate 29

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Warren County
Warren County, PA 36.9 Normal —
Erie County, PA 54.8 Elevated +17.9
Chautauqua County, NY 51.6 Elevated +14.7
Cattaraugus County, NY 51.5 Elevated +14.6
McKean County, PA 47.8 Normal +10.9
Crawford County, PA 45.1 Normal +8.1
Venango County, PA 44.9 Normal +8.0
Forest County, PA 31.1 Healthy -5.8
Elk County, PA 30.4 Healthy -6.6

Population Peers

CountyScoreZonevs. Warren County
Jersey County, IL 36.9 Normal -0.0
Windham County, VT 37.0 Normal +0.0
Nelson County, VA 36.8 Normal -0.1
Camden County, MO 37.0 Normal +0.1
Fluvanna County, VA 36.8 Normal -0.1

Download Data

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

Find Help in Warren County

Find an Attorney

Pennsylvania Bar Association Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Pennsylvania Bar Association Lawyer Referral Service 1-800-932-0311

Free Legal Aid

Legal aid organizations serving Warren County residents at no cost.

Community Legal Services of Philadelphia 215-981-3700
MidPenn Legal Services 1-800-326-9177
Neighborhood Legal Services Association 412-255-6700
Pennsylvania Legal Aid Network (PLAN)
Laurel Legal Services, Inc. (800) 253-9558
Legal Aid of Southeastern Pennsylvania (877) 429-5994
North Penn Legal Services, Inc. (877) 953-4250
Northwestern Legal Services (814) 452-6957
Philadelphia Legal Assistance Center (215) 981-3800
Summit Legal Aid (800) 846-0871

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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Frequently Asked Questions

  • What is the distress score for Warren County, Pennsylvania?

    Warren County has a County Distress Index score of 36.9 out of 100, placing it in the Normal zone. It ranks 2,367th nationally out of 3,144 counties and 52nd in Pennsylvania out of 67 counties.

  • What drives financial distress in Warren County?

    The primary driver of distress in Warren County is Structural Poverty, where the county scores 59.7 out of 100. This domain is measured by indicators including Unemployment Rate, Poverty Rate, Income vs. State Median.

  • How does Warren County compare to neighboring counties?

    Warren County (36.9) can be compared to its 8 neighboring counties: Erie County, PA (54.8); Chautauqua County, NY (51.6); Cattaraugus County, NY (51.5).

  • 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). Warren County's score of 36.9 sits in the Normal zone (46–55).

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

    Warren 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 Warren County?

    Warren County, Pennsylvania has a population of approximately 37,572 (2023 Census estimate), classified as a small county.