Orange County, New York

County Distress Index: Normal · 47.1 | 407,470 people · 33rd most distressed in New York
American Default Research

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Orange County, NY falls within the normal range for household financial distress at 47.1 — 1821st 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 33rd of 62 counties. Among its 8 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Orange County's primary driver is Housing Cost Burden at 90.2 — worse than roughly 90% of U.S. counties.

Housing Cost Burden Primary driver 90.2
Rent-Burdened (30%+) 97
Severely Rent-Burdened (50%+) 97
Mortgage-Burdened (30%+) 99
Homeownership Rate 76
Rent-to-Income Ratio 82
Employment & Wages 54.4
Unemployment Rate 45
Wage-to-Rent Ratio 95
Business Formation Rate 23
Debt & Delinquency 41.6
Debt in Collections 32
Medical Debt 7
Student Loan Delinquency 44
Auto Loan Delinquency 49
Credit Card Delinquency 63
Bankruptcy Filing Rate 56
Income & Poverty 35.8
Poverty Rate 43
Income vs. State Median 8
Child Poverty Rate 57
Community Vulnerability 13.3
Uninsured Rate 15
Disability Rate 11

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

Neighbors and Peers

How Orange County compares to its 8 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Orange County
Orange County, NY 47.1 Normal —
Passaic County, NJ 64.7 Elevated +17.7
Sullivan County, NY 52.4 Elevated +5.3
Pike County, PA 52.2 Elevated +5.1
Ulster County, NY 46.8 Normal -0.3
Rockland County, NY 42.4 Normal -4.7
Dutchess County, NY 38.6 Normal -8.5
Sussex County, NJ 36.1 Normal -11.0
Putnam County, NY 29.9 Healthy -17.1

Population Peers

County Score Zone vs. Orange County
Pierce County, WA 47.1 Normal +0.0
Richmond County, NY 47.1 Normal +0.1
Spokane County, WA 47.3 Normal +0.2
Ocean County, NJ 46.9 Normal -0.2
South Central Connecticut Planning Region, CT 46.7 Normal -0.3

Download Data

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

Find Help in Orange County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Orange County.

PATHSTONE CORPORATION- NEWBURGH, NY
Newburgh
845-569-0770 Website
Foreclosure PreventionFinancial CounselingHome Improvement/RehabPre-Lease/Pre-Purchase
RUPCO INC.
Walden
845-331-2140 Website
Foreclosure PreventionFinancial CounselingFinancial CounselingPre-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 Orange 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 Orange County, New York?

    Orange County has a County Distress Index score of 47.1 out of 100, placing it in the Normal zone. It ranks 1,821st nationally out of 3,144 counties and 33rd in New York out of 62 counties.

  • What drives financial distress in Orange County?

    The primary driver of distress in Orange County is Housing Cost Burden, where the county scores 90.2 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Orange County compare to neighboring counties?

    Orange County (47.1) can be compared to its 8 neighboring counties: Passaic County, NJ (64.7); Sullivan County, NY (52.4); Pike County, PA (52.2).

  • 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 Orange County?

    Orange County, New York has a population of approximately 407,470 (2023 Census estimate), classified as a large county.