Gloucester County, New Jersey

County Distress Index: Normal · 45.0 | 308,423 people · 12th most distressed in New Jersey
American Default Research

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Gloucester County, NJ falls within the normal range for household financial distress at 45.0 — 1983rd 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 Jersey, it ranks 12th of 21 counties. Among its 7 neighboring counties, 6 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Gloucester County's primary driver is Housing Cost Burden at 72.6 — above the national median.

Housing Cost Burden Primary driver 72.6
Rent-Burdened (30%+) 91
Severely Rent-Burdened (50%+) 90
Mortgage-Burdened (30%+) 98
Homeownership Rate 22
Rent-to-Income Ratio 62
Employment & Wages 66.6
Unemployment Rate 69
Wage-to-Rent Ratio 94
Business Formation Rate 36
Debt & Delinquency 46.0
Debt in Collections 36
Medical Debt 35
Student Loan Delinquency 38
Auto Loan Delinquency 44
Credit Card Delinquency 50
Bankruptcy Filing Rate 73
Income & Poverty 23.0
Poverty Rate 9
Income vs. State Median 50
Child Poverty Rate 10
Community Vulnerability 16.8
Uninsured Rate 10
Disability Rate 24

Scores are percentile-based: 50 = national median, higher = more distressed. The median line is shown on each bar.

Neighbors and Peers

How Gloucester County compares to its 7 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Gloucester County
Gloucester County, NJ 45.0 Normal —
Cumberland County, NJ 74.9 Serious +29.9
Philadelphia County, PA 66.7 Serious +21.7
Atlantic County, NJ 63.5 Elevated +18.5
Camden County, NJ 61.1 Elevated +16.1
Salem County, NJ 59.9 Elevated +14.9
New Castle County, DE 49.5 Normal +4.5
Delaware County, PA 44.6 Normal -0.4

Population Peers

County Score Zone vs. Gloucester County
Cobb County, GA 45.0 Normal +0.0
Greenville County, SC 45.1 Normal +0.1
Brazoria County, TX 44.9 Normal -0.1
Ramsey County, MN 44.8 Normal -0.2
Chesapeake city, VA 45.2 Normal +0.2

Download Data

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

Find Help in Gloucester County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Gloucester County.

FINANCIAL WELLNESS INSTITUTE INC
Woodbury
856-251-0311 Website
Financial CounselingFinancial CounselingPost-PurchasePre-Lease/Pre-Purchase

See all counselors in New Jersey →

Find an Attorney

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

New Jersey State Bar Association Lawyer Referral Service 1-800-792-8315

Free Legal Aid

Legal aid organizations serving Gloucester County residents at no cost.

Legal Services of New Jersey 1-888-576-5529
Community Health Law Project
New Jersey State Bar Foundation — Lawyer Referral Service 1-800-792-8315
Central Jersey Legal Services, Inc. (732) 249-7600
Essex-Newark Legal Services Project, Inc. (973) 624-4500
Legal Services of Northwest Jersey, Inc. (908) 231-0840
Northeast New Jersey Legal Services Corporation (201) 792-6363
South Jersey Legal Services, Inc. (800) 496-4570

Self-Help Resources

NJ Courts Foreclosure Self-Help Center Official NJ Courts self-help guidance on foreclosure proceedings

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 Jersey →

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Frequently Asked Questions

  • What is the distress score for Gloucester County, New Jersey?

    Gloucester County has a County Distress Index score of 45.0 out of 100, placing it in the Normal zone. It ranks 1,983rd nationally out of 3,144 counties and 12th in New Jersey out of 21 counties.

  • What drives financial distress in Gloucester County?

    The primary driver of distress in Gloucester County is Housing Cost Burden, where the county scores 72.6 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Gloucester County compare to neighboring counties?

    Gloucester County (45.0) can be compared to its 7 neighboring counties: Cumberland County, NJ (74.9); Philadelphia County, PA (66.7); Atlantic County, NJ (63.5).

  • How is the County Distress Index calculated?

    The County Distress Index uses percentile-rank averaging across five domains: Debt & Delinquency, Income & Poverty, Housing Cost Burden, Employment & Wages, and Community Vulnerability. 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.

  • What is the population of Gloucester County?

    Gloucester County, New Jersey has a population of approximately 308,423 (2023 Census estimate), classified as a large county.