Allegany County, New York

County Distress Index: Elevated · 50.1 | 46,651 people · 25th most distressed in New York
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Allegany County, NY registers elevated household financial distress with a score of 50.1 — 1587th nationally out of 3144 counties. The primary driver is Employment & Wages, where unemployment is elevated, wages are low relative to housing costs, and business formation lags. Within New York, it ranks 25th of 62 counties. Among its 6 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Allegany County's primary driver is Employment & Wages at 65.9 — above the national median.

Employment & Wages Primary driver 65.9
Unemployment Rate 80
Wage-to-Rent Ratio 22
Business Formation Rate 96
Income & Poverty 64.6
Poverty Rate 61
Income vs. State Median 86
Child Poverty Rate 47
Housing Cost Burden 45.8
Rent-Burdened (30%+) 63
Severely Rent-Burdened (50%+) 82
Mortgage-Burdened (30%+) 24
Homeownership Rate 18
Rent-to-Income Ratio 43
Debt & Delinquency 37.7
Debt in Collections 49
Medical Debt 7
Student Loan Delinquency 65
Auto Loan Delinquency 23
Credit Card Delinquency 63
Bankruptcy Filing Rate 20
Community Vulnerability 36.6
Uninsured Rate 16
Disability Rate 57

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Allegany County
Allegany County, NY 50.1 Elevated —
Cattaraugus County, NY 58.0 Elevated +7.9
McKean County, PA 51.2 Elevated +1.1
Potter County, PA 46.3 Normal -3.8
Steuben County, NY 46.0 Normal -4.1
Livingston County, NY 45.4 Normal -4.8
Wyoming County, NY 30.6 Healthy -19.5

Population Peers

County Score Zone vs. Allegany County
Inyo County, CA 50.1 Elevated -0.0
Lumpkin County, GA 50.1 Elevated -0.0
Lafayette County, MO 50.1 Elevated +0.0
Graham County, AZ 50.0 Elevated -0.1
Jefferson County, IA 50.2 Elevated +0.1

Download Data

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

Find Help in Allegany County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Allegany County.

ALLEGANY COUNTY COMMUNITY OPPORTUNITIES AND RURAL DEVELOPMENT (ACCORD) CORP.
Belmont
585-268-7605 Website
Foreclosure PreventionFair HousingHome 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 Allegany 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 →

Continue Reading

Frequently Asked Questions

  • What is the distress score for Allegany County, New York?

    Allegany County has a County Distress Index score of 50.1 out of 100, placing it in the Elevated zone. It ranks 1,587th nationally out of 3,144 counties and 25th in New York out of 62 counties.

  • What drives financial distress in Allegany County?

    The primary driver of distress in Allegany County is Employment & Wages, where the county scores 65.9 out of 100. This domain is measured by indicators including Unemployment Rate, Wage-to-Rent Ratio, Business Formation Rate.

  • How does Allegany County compare to neighboring counties?

    Allegany County (50.1) can be compared to its 6 neighboring counties: Cattaraugus County, NY (58.0); McKean County, PA (51.2); Potter County, PA (46.3).

  • 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 Allegany County?

    Allegany County, New York has a population of approximately 46,651 (2023 Census estimate), classified as a small county.