Warren County, New Jersey

County Distress Index: Normal · 40.8 | 111,252 people · 14th most distressed in New Jersey
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Warren County, NJ falls within the normal range for household financial distress at 40.8 — 2303rd 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 14th of 21 counties. Among its 6 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Warren County's primary driver is Housing Cost Burden at 74.7 — above the national median.

Housing Cost Burden Primary driver 74.7
Rent-Burdened (30%+) 76
Severely Rent-Burdened (50%+) 80
Mortgage-Burdened (30%+) 100
Homeownership Rate 51
Rent-to-Income Ratio 67
Employment & Wages 64.7
Unemployment Rate 67
Wage-to-Rent Ratio 92
Business Formation Rate 36
Debt & Delinquency 28.8
Debt in Collections 24
Medical Debt 32
Student Loan Delinquency 12
Auto Loan Delinquency 15
Credit Card Delinquency 35
Bankruptcy Filing Rate 55
Income & Poverty 21.7
Poverty Rate 9
Income vs. State Median 45
Child Poverty Rate 12
Community Vulnerability 14.2
Uninsured Rate 14
Disability Rate 14

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

Neighbors and Peers

How Warren County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Warren County
Warren County, NJ 40.8 Normal —
Monroe County, PA 53.3 Elevated +12.4
Northampton County, PA 44.5 Normal +3.6
Sussex County, NJ 36.1 Normal -4.7
Bucks County, PA 29.8 Healthy -11.0
Hunterdon County, NJ 26.6 Healthy -14.2
Morris County, NJ 26.4 Healthy -14.4

Population Peers

County Score Zone vs. Warren County
Culpeper County, VA 40.8 Normal 0.0
Eaton County, MI 40.8 Normal -0.0
Campbell County, VA 40.8 Normal -0.0
Monongalia County, WV 41.0 Normal +0.1
LaSalle County, IL 41.0 Normal +0.2

Download Data

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

Find Help in Warren County

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 Warren 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

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Frequently Asked Questions

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

    Warren County has a County Distress Index score of 40.8 out of 100, placing it in the Normal zone. It ranks 2,303rd nationally out of 3,144 counties and 14th in New Jersey out of 21 counties.

  • What drives financial distress in Warren County?

    The primary driver of distress in Warren County is Housing Cost Burden, where the county scores 74.7 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Warren County compare to neighboring counties?

    Warren County (40.8) can be compared to its 6 neighboring counties: Monroe County, PA (53.3); Northampton County, PA (44.5); Sussex County, NJ (36.1).

  • 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 Warren County?

    Warren County, New Jersey has a population of approximately 111,252 (2023 Census estimate), classified as a mid county.