Saratoga County, New York

County Distress Index: Healthy · 29.7 | 238,711 people · 61st most distressed in New York
American Default Research

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Saratoga County, NY ranks among the least distressed counties in the country at 29.7 — 2900th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing costs consume a moderate share of household income. Within New York, it ranks 61st of 62 counties. It scores lower than all 8 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Saratoga County's primary driver is Housing Cost Burden at 60.0 — above the national median.

Housing Cost Burden Primary driver 60.0
Rent-Burdened (30%+) 51
Severely Rent-Burdened (50%+) 57
Mortgage-Burdened (30%+) 76
Homeownership Rate 61
Rent-to-Income Ratio 55
Employment & Wages 55.3
Unemployment Rate 19
Wage-to-Rent Ratio 81
Business Formation Rate 66
Debt & Delinquency 20.5
Debt in Collections 15
Medical Debt 7
Student Loan Delinquency 15
Auto Loan Delinquency 14
Credit Card Delinquency 23
Bankruptcy Filing Rate 50
Community Vulnerability 6.7
Uninsured Rate 1
Disability Rate 12
Income & Poverty 5.8
Poverty Rate 4
Income vs. State Median 7
Child Poverty Rate 6

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Saratoga County
Saratoga County, NY 29.7 Healthy —
Montgomery County, NY 62.9 Elevated +33.2
Fulton County, NY 52.6 Elevated +23.0
Schenectady County, NY 50.4 Elevated +20.8
Washington County, NY 48.8 Normal +19.1
Warren County, NY 48.4 Normal +18.7
Rensselaer County, NY 43.8 Normal +14.1
Hamilton County, NY 40.9 Normal +11.2
Albany County, NY 36.9 Normal +7.2

Population Peers

County Score Zone vs. Saratoga County
Wright County, MN 29.7 Healthy 0.0
Portage County, WI 29.7 Healthy +0.0
Minnehaha County, SD 29.7 Healthy +0.0
Platte County, MO 29.8 Healthy +0.1
Box Elder County, UT 29.8 Healthy +0.2

Download Data

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

Find Help in Saratoga 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 Saratoga 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 Saratoga County, New York?

    Saratoga County has a County Distress Index score of 29.7 out of 100, placing it in the Healthy zone. It ranks 2,900th nationally out of 3,144 counties and 61st in New York out of 62 counties.

  • What drives financial distress in Saratoga County?

    The primary driver of distress in Saratoga County is Housing Cost Burden, where the county scores 60.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Saratoga County compare to neighboring counties?

    Saratoga County (29.7) can be compared to its 8 neighboring counties: Montgomery County, NY (62.9); Fulton County, NY (52.6); Schenectady County, NY (50.4).

  • 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 Saratoga County?

    Saratoga County, New York has a population of approximately 238,711 (2023 Census estimate), classified as a mid county.