Chenango County, New York

County Distress Index: Normal · 49.0 | 45,920 people · 26th most distressed in New York
American Default Research

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Chenango County, NY falls within the normal range for household financial distress at 49.0 — 1668th nationally out of 3144 counties. The primary driver is Income & Poverty, where poverty rates are high and household incomes lag well behind state and national medians. Within New York, it ranks 26th of 62 counties. Among its 5 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Chenango County's primary driver is Income & Poverty at 65.6 — above the national median.

Income & Poverty Primary driver 65.6
Poverty Rate 56
Income vs. State Median 86
Child Poverty Rate 55
Housing Cost Burden 50.0
Rent-Burdened (30%+) 58
Severely Rent-Burdened (50%+) 49
Mortgage-Burdened (30%+) 61
Homeownership Rate 40
Rent-to-Income Ratio 43
Employment & Wages 48.2
Unemployment Rate 52
Wage-to-Rent Ratio 3
Business Formation Rate 89
Debt & Delinquency 42.6
Debt in Collections 40
Medical Debt 7
Student Loan Delinquency 47
Auto Loan Delinquency 54
Credit Card Delinquency 43
Bankruptcy Filing Rate 65
Community Vulnerability 38.7
Uninsured Rate 4
Disability Rate 74

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

Neighbors and Peers

How Chenango County compares to its 5 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Chenango County
Chenango County, NY 49.0 Normal —
Cortland County, NY 53.2 Elevated +4.1
Broome County, NY 52.3 Elevated +3.3
Delaware County, NY 50.6 Elevated +1.6
Otsego County, NY 45.8 Normal -3.3
Madison County, NY 41.7 Normal -7.3

Population Peers

County Score Zone vs. Chenango County
Owen County, KY 49.0 Normal 0.0
Big Horn County, WY 49.0 Normal -0.0
White County, GA 49.0 Normal -0.1
Wabash County, IL 49.0 Normal -0.1
Polk County, NC 49.1 Normal +0.1

Download Data

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

Find Help in Chenango County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Chenango County.

OPPORTUNITIES FOR CHENANGO, INC.
Norwich
607-334-7114 Website
Pre-PurchaseHomebuyer EducationRental Help

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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 Chenango 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 →

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Frequently Asked Questions

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

    Chenango County has a County Distress Index score of 49.0 out of 100, placing it in the Normal zone. It ranks 1,668th nationally out of 3,144 counties and 26th in New York out of 62 counties.

  • What drives financial distress in Chenango County?

    The primary driver of distress in Chenango County is Income & Poverty, where the county scores 65.6 out of 100. This domain is measured by indicators including Poverty Rate, Income vs. State Median, Child Poverty Rate.

  • How does Chenango County compare to neighboring counties?

    Chenango County (49.0) can be compared to its 5 neighboring counties: Cortland County, NY (53.2); Broome County, NY (52.3); Delaware County, NY (50.6).

  • 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 Chenango County?

    Chenango County, New York has a population of approximately 45,920 (2023 Census estimate), classified as a small county.