Fulton County, New York
Above the national median for bankruptcy filing rate — and 27.3× the rate of the healthiest U.S. county (Glacier County, MT — 7).
Main Findings
Fulton County, New York ranks 1,194th most distressed in the United States on the County Distress Index. The driver: a bankruptcy filing rate of 199 — above the national median of 126. Its highest-scoring domain is Default & Legal.
- 1,194th of 3,144 counties on the County Distress Index — 57.2 · moderate county distress, 9th in New York.
- A bankruptcy filing rate of 199 (U.S. median 126). Bankruptcy filing rate at the 75th percentile nationally. Source: Administrative Office of the U.S. Courts, F-5A (2025).
- Unemployment at 4% — national median 4%, ranked at the 64th percentile. Source: U.S. Bureau of Labor Statistics, LAUS (May 2026).
- Subprime credit share at 27% — national median 23%, ranked at the 65th percentile. Source: Federal Reserve Bank of St. Louis, Equifax (2025).
- Severe rent burden (50%+) at 20% — national median 18%, ranked at the 65th percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
Neighbors span four CDI score labels. The 39-point drop to Saratoga County marks where the New York distress corridor ends.
Fulton County has a moderate county distress score. The county sits near the middle of the CDI score scale, so the domain mix carries the story.
The CDI gives this county a moderate county distress label. The domain mix matters because the same composite score can come from very different local conditions. Its highest-scoring domain is Default & Legal.
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, ACS 5-year (2023), Fulton County's uninsured rate indicator is at the 5th percentile. American Default Research's CDI places every other indicator in the Safety Net & Buffer domain at or above the 48th percentile. The gap stands out against the other credit indicators. Worth a call to the source agency or a local subject-matter contact in Johnstown.
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Fulton County's CDI Score
Every number traces to a public source. Fulton County's value shown alongside NY's median and the U.S. median. Full CSV available for download.
| Indicator | Fulton | NY median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 56 · Rank 1,371 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 5% | 4% | 5% | 44th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 6% | 5% | 5% | 57th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 27% | 21% | 23% | 65th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 65 · Rank 918 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 25% | 19% | 23% | 56th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 199 | 108 | 126 | 75th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 55 · Rank 1,298 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 21% | 23% | 21% | 46th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 20% | 23% | 18% | 65th | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 64 · Rank 1,088 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 64th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 46 · Rank 1,719 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 20% | 18% | 18% | 62nd | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 17% | 15% | 16% | 63rd | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 14% | 14% | 14% | 54th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 4% | 4% | 8% | 5th | U.S. Census Bureau, ACS 5-year (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), FRED/Equifax (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (Local Area Unemployment Statistics), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2022 to 2026 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Fulton County data — in under 60 seconds.
Draft wire copy 128-word AP-style article — use freely with attribution
JOHNSTOWN, N.Y. — Fulton County ranks 1,194th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 57.2 out of 100 gives Fulton a moderate county distress label. Among 3,144 U.S. counties scored, 1,193 counties rank more distressed. Within New York, Fulton ranks ninth of 62 counties.
The index, which draws on 13 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies default & legal as the primary driver in Fulton. A bankruptcy filing rate of 199 — above the national median of 126.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Fulton County's CDI score, and what does it mean?
What drives Fulton County's distress score?
How does Fulton County compare to its neighbors?
How is the County Distress Index calculated?
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