York County, Virginia

County Distress Index: Normal · 38.2 | 70,952 people · 107th most distressed in Virginia
American Default Research

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York County, VA falls within the normal range for household financial distress at 38.2 — 2302nd 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 Virginia, it ranks 107th of 133 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. York County's primary driver is Housing Cost Burden at 75.0 — worse than roughly 75% of U.S. counties.

Housing Cost Burden Primary driver 75.0
Rent-Burdened (30%+) 73
Severely Rent-Burdened (50%+) 77
Mortgage-Burdened (30%+) 89
Homeownership Rate 66
Economic Vitality 65.4
Wage-to-Rent Ratio 95
Rent-to-Income Ratio 41
Business Formation Rate 51
House Price Change (YoY) 15
Legal Distress 42.6
Bankruptcy Filing Rate 43
Consumer Credit Distress 20.2
Debt in Collections 14
Medical Debt 16
Auto Loan Delinquency 25
Credit Card Delinquency 33
Uninsured Rate 5
Subprime Credit Population 20
Structural Poverty 19.8
Unemployment Rate 30
Poverty Rate 3
Income vs. State Median 3
Child Poverty Rate 1
Disability Rate 19
Transfer Income Dependency 55

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. York County
York County, VA 38.2 Normal —
Hampton city, VA 77.1 Serious +38.9
Newport News city, VA 75.3 Serious +37.1
Williamsburg city, VA 58.0 Elevated +19.9
Northampton County, VA 52.6 Elevated +14.4
Gloucester County, VA 43.1 Normal +5.0
James City County, VA 39.9 Normal +1.7
Mathews County, VA 35.2 Normal -3.0
Poquoson city, VA 30.6 Healthy -7.6

Population Peers

CountyScoreZonevs. York County
Christian County, MO 38.2 Normal +0.0
Walworth County, WI 38.2 Normal +0.0
Chisago County, MN 38.2 Normal +0.1
Linn County, IA 38.1 Normal -0.1
Garfield County, CO 38.3 Normal +0.1

Download Data

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

Find Help in York County

Find an Attorney

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

Virginia State Bar Lawyer Referral Service 1-800-552-7977

Free Legal Aid

Legal aid organizations serving York County residents at no cost.

Virginia Legal Aid Society 540-342-3900
Legal Aid Justice Center 434-977-0553
Legal Services of Northern Virginia 703-778-6800
Virginia Poverty Law Center 804-782-9430
Central Virginia Legal Aid Society 804-648-1012
Blue Ridge Legal Services, Inc. (866) 534-5243
Legal Aid Society of Eastern Virginia (757) 827-5078
Southwest Virginia Legal Aid Society, Inc. (888) 201-2772

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 York County, Virginia?

    York County has a County Distress Index score of 38.2 out of 100, placing it in the Normal zone. It ranks 2,302nd nationally out of 3,144 counties and 107th in Virginia out of 133 counties.

  • What drives financial distress in York County?

    The primary driver of distress in York County is Housing Cost Burden, where the county scores 75.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does York County compare to neighboring counties?

    York County (38.2) can be compared to its 8 neighboring counties: Hampton city, VA (77.1); Newport News city, VA (75.3); Williamsburg city, VA (58.0).

  • 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). York County's score of 38.2 sits in the Normal zone (46–55).

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

    York 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 York County?

    York County, Virginia has a population of approximately 70,952 (2023 Census estimate), classified as a mid county.