Franklin County, New York

County Distress Index: Normal · 49.0 | 46,502 people · 27th most distressed in New York
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Franklin County, NY falls within the normal range for household financial distress at 49.0 — 1677th nationally out of 3144 counties. The primary driver is Income & Poverty, where income and poverty levels indicate moderate economic strain. Within New York, it ranks 27th of 62 counties. Its score is in the middle of its 4 neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Franklin County's primary driver is Income & Poverty at 60.0 — above the national median.

Income & Poverty Primary driver 60.0
Poverty Rate 59
Income vs. State Median 68
Child Poverty Rate 53
Employment & Wages 54.6
Unemployment Rate 64
Wage-to-Rent Ratio 4
Business Formation Rate 97
Community Vulnerability 48.7
Uninsured Rate 36
Disability Rate 61
Housing Cost Burden 45.6
Rent-Burdened (30%+) 46
Severely Rent-Burdened (50%+) 44
Mortgage-Burdened (30%+) 36
Homeownership Rate 65
Rent-to-Income Ratio 36
Debt & Delinquency 35.8
Debt in Collections 40
Medical Debt 7
Student Loan Delinquency 45
Auto Loan Delinquency 33
Credit Card Delinquency 55
Bankruptcy Filing Rate 36

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

Neighbors and Peers

How Franklin County compares to its 4 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Franklin County
Franklin County, NY 49.0 Normal —
St. Lawrence County, NY 56.0 Elevated +7.1
Clinton County, NY 53.2 Elevated +4.3
Essex County, NY 45.4 Normal -3.6
Hamilton County, NY 40.9 Normal -8.1

Population Peers

County Score Zone vs. Franklin County
Clarion County, PA 49.0 Normal +0.0
White County, GA 49.0 Normal +0.0
Wabash County, IL 49.0 Normal +0.0
Mitchell County, NC 48.9 Normal -0.0
Big Horn County, WY 49.0 Normal +0.1

Download Data

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

Find Help in Franklin County

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 Franklin 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.

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Need legal help? Find a foreclosure defense attorney in New York →

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Frequently Asked Questions

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

    Franklin County has a County Distress Index score of 49.0 out of 100, placing it in the Normal zone. It ranks 1,677th nationally out of 3,144 counties and 27th in New York out of 62 counties.

  • What drives financial distress in Franklin County?

    The primary driver of distress in Franklin County is Income & Poverty, where the county scores 60.0 out of 100. This domain is measured by indicators including Poverty Rate, Income vs. State Median, Child Poverty Rate.

  • How does Franklin County compare to neighboring counties?

    Franklin County (49.0) can be compared to its 4 neighboring counties: St. Lawrence County, NY (56.0); Clinton County, NY (53.2); Essex County, NY (45.4).

  • 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 Franklin County?

    Franklin County, New York has a population of approximately 46,502 (2023 Census estimate), classified as a small county.