Putnam County, New York

County Distress Index: Healthy · 29.9 | 98,060 people · 60th most distressed in New York
American Default Research

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Putnam County, NY ranks among the least distressed counties in the country at 29.9 — 2887th 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 60th of 62 counties. It scores lower than all 4 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Putnam County's primary driver is Housing Cost Burden at 76.6 — worse than roughly 77% of U.S. counties.

Housing Cost Burden Primary driver 76.6
Rent-Burdened (30%+) 93
Severely Rent-Burdened (50%+) 90
Mortgage-Burdened (30%+) 99
Homeownership Rate 7
Rent-to-Income Ratio 93
Employment & Wages 49.1
Unemployment Rate 16
Wage-to-Rent Ratio 100
Business Formation Rate 32
Debt & Delinquency 16.5
Debt in Collections 5
Medical Debt 7
Student Loan Delinquency 8
Auto Loan Delinquency 23
Credit Card Delinquency 16
Bankruptcy Filing Rate 40
Community Vulnerability 4.5
Uninsured Rate 3
Disability Rate 6
Income & Poverty 2.9
Poverty Rate 5
Income vs. State Median 1
Child Poverty Rate 3

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Putnam County
Putnam County, NY 29.9 Healthy —
Orange County, NY 47.1 Normal +17.1
Rockland County, NY 42.4 Normal +12.4
Dutchess County, NY 38.6 Normal +8.6
Westchester County, NY 37.0 Normal +7.0

Population Peers

County Score Zone vs. Putnam County
Carroll County, MD 30.0 Healthy +0.0
Box Elder County, UT 29.8 Healthy -0.1
Platte County, MO 29.8 Healthy -0.2
Minnehaha County, SD 29.7 Healthy -0.2
Shelby County, AL 30.2 Healthy +0.2

Download Data

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

Find Help in Putnam County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Putnam County.

PUTNAM COUNTY HOUSING CORPORATION
Carmel
845-225-8493 Website
Foreclosure PreventionPre-PurchaseHomebuyer EducationRental Help

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 Putnam 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 Putnam County, New York?

    Putnam County has a County Distress Index score of 29.9 out of 100, placing it in the Healthy zone. It ranks 2,887th nationally out of 3,144 counties and 60th in New York out of 62 counties.

  • What drives financial distress in Putnam County?

    The primary driver of distress in Putnam County is Housing Cost Burden, where the county scores 76.6 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Putnam County compare to neighboring counties?

    Putnam County (29.9) can be compared to its 4 neighboring counties: Orange County, NY (47.1); Rockland County, NY (42.4); Dutchess County, NY (38.6).

  • 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 Putnam County?

    Putnam County, New York has a population of approximately 98,060 (2023 Census estimate), classified as a mid county.