Livingston County, New York

County Distress Index: Normal · 45.4 | 61,158 people · 42nd most distressed in New York
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Livingston County, NY falls within the normal range for household financial distress at 45.4 — 1949th 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 42nd of 62 counties. Its score is in the middle of its 6 neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Livingston County's primary driver is Employment & Wages at 79.7 — worse than roughly 80% of U.S. counties.

Employment & Wages Primary driver 79.7
Unemployment Rate 55
Wage-to-Rent Ratio 88
Business Formation Rate 95
Housing Cost Burden 73.2
Rent-Burdened (30%+) 87
Severely Rent-Burdened (50%+) 80
Mortgage-Burdened (30%+) 75
Homeownership Rate 35
Rent-to-Income Ratio 88
Income & Poverty 31.8
Poverty Rate 32
Income vs. State Median 44
Child Poverty Rate 20
Debt & Delinquency 21.4
Debt in Collections 29
Medical Debt 7
Student Loan Delinquency 25
Auto Loan Delinquency 11
Credit Card Delinquency 43
Bankruptcy Filing Rate 13
Community Vulnerability 20.6
Uninsured Rate 7
Disability Rate 34

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Livingston County
Livingston County, NY 45.4 Normal —
Allegany County, NY 50.1 Elevated +4.8
Monroe County, NY 47.9 Normal +2.6
Steuben County, NY 46.0 Normal +0.6
Genesee County, NY 40.4 Normal -5.0
Ontario County, NY 38.3 Normal -7.1
Wyoming County, NY 30.6 Healthy -14.7

Population Peers

County Score Zone vs. Livingston County
Natrona County, WY 45.4 Normal 0.0
Midland County, TX 45.4 Normal +0.0
Franklin County, PA 45.3 Normal -0.1
Benton County, WA 45.3 Normal -0.1
Cheshire County, NH 45.4 Normal +0.1

Download Data

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

Find Help in Livingston 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 Livingston 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 Livingston County, New York?

    Livingston County has a County Distress Index score of 45.4 out of 100, placing it in the Normal zone. It ranks 1,949th nationally out of 3,144 counties and 42nd in New York out of 62 counties.

  • What drives financial distress in Livingston County?

    The primary driver of distress in Livingston County is Employment & Wages, where the county scores 79.7 out of 100. This domain is measured by indicators including Unemployment Rate, Wage-to-Rent Ratio, Business Formation Rate.

  • How does Livingston County compare to neighboring counties?

    Livingston County (45.4) can be compared to its 6 neighboring counties: Allegany County, NY (50.1); Monroe County, NY (47.9); Steuben County, NY (46.0).

  • 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 Livingston County?

    Livingston County, New York has a population of approximately 61,158 (2023 Census estimate), classified as a mid county.