Dutchess County, New York

County Distress Index: Normal · 38.6 | 297,150 people · 54th most distressed in New York
American Default Research

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Dutchess County, NY falls within the normal range for household financial distress at 38.6 — 2441st 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 York, it ranks 54th of 62 counties. Among its 5 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Dutchess County's primary driver is Housing Cost Burden at 84.8 — worse than roughly 85% of U.S. counties.

Housing Cost Burden Primary driver 84.8
Rent-Burdened (30%+) 90
Severely Rent-Burdened (50%+) 85
Mortgage-Burdened (30%+) 96
Homeownership Rate 75
Rent-to-Income Ratio 78
Employment & Wages 54.5
Unemployment Rate 30
Wage-to-Rent Ratio 89
Business Formation Rate 44
Debt & Delinquency 29.4
Debt in Collections 26
Medical Debt 7
Student Loan Delinquency 30
Auto Loan Delinquency 26
Credit Card Delinquency 38
Bankruptcy Filing Rate 51
Community Vulnerability 17.2
Uninsured Rate 10
Disability Rate 24
Income & Poverty 6.9
Poverty Rate 7
Income vs. State Median 7
Child Poverty Rate 7

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Dutchess County
Dutchess County, NY 38.6 Normal —
Berkshire County, MA 52.1 Elevated +13.5
Orange County, NY 47.1 Normal +8.5
Ulster County, NY 46.8 Normal +8.2
Columbia County, NY 42.5 Normal +4.0
Putnam County, NY 29.9 Healthy -8.6

Population Peers

County Score Zone vs. Dutchess County
Prince William County, VA 38.6 Normal +0.0
York County, PA 38.4 Normal -0.1
Clackamas County, OR 38.3 Normal -0.3
Burlington County, NJ 38.9 Normal +0.4
Clay County, MO 38.1 Normal -0.4

Download Data

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

Find Help in Dutchess County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Dutchess County.

HUDSON RIVER HOUSING
Poughkeepsie
845-454-5176 Website
Foreclosure PreventionFinancial CounselingHomeless/DisplacementPost-Purchase

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 Dutchess 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 Dutchess County, New York?

    Dutchess County has a County Distress Index score of 38.6 out of 100, placing it in the Normal zone. It ranks 2,441st nationally out of 3,144 counties and 54th in New York out of 62 counties.

  • What drives financial distress in Dutchess County?

    The primary driver of distress in Dutchess County is Housing Cost Burden, where the county scores 84.8 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Dutchess County compare to neighboring counties?

    Dutchess County (38.6) can be compared to its 5 neighboring counties: Berkshire County, MA (52.1); Orange County, NY (47.1); Ulster County, NY (46.8).

  • 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 Dutchess County?

    Dutchess County, New York has a population of approximately 297,150 (2023 Census estimate), classified as a large county.