Schoharie County, New York

County Distress Index: Elevated · 50.5 | 30,105 people · 23rd most distressed in New York
American Default Research

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Schoharie County, NY registers elevated household financial distress with a score of 50.5 — 1554th 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 23rd of 62 counties. Among its 6 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Schoharie County's primary driver is Employment & Wages at 74.9 — above the national median.

Employment & Wages Primary driver 74.9
Unemployment Rate 67
Wage-to-Rent Ratio 94
Business Formation Rate 64
Housing Cost Burden 59.9
Rent-Burdened (30%+) 45
Severely Rent-Burdened (50%+) 45
Mortgage-Burdened (30%+) 81
Homeownership Rate 31
Rent-to-Income Ratio 98
Income & Poverty 53.2
Poverty Rate 49
Income vs. State Median 67
Child Poverty Rate 43
Debt & Delinquency 32.4
Debt in Collections 32
Medical Debt 7
Student Loan Delinquency 71
Auto Loan Delinquency 20
Credit Card Delinquency 37
Bankruptcy Filing Rate 27
Community Vulnerability 32.0
Uninsured Rate 9
Disability Rate 55

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Schoharie County
Schoharie County, NY 50.5 Elevated —
Montgomery County, NY 62.9 Elevated +12.4
Delaware County, NY 50.6 Elevated +0.2
Schenectady County, NY 50.4 Elevated -0.0
Otsego County, NY 45.8 Normal -4.7
Greene County, NY 44.4 Normal -6.1
Albany County, NY 36.9 Normal -13.6

Population Peers

County Score Zone vs. Schoharie County
Noble County, OH 50.5 Elevated 0.0
Henry County, AL 50.5 Elevated +0.0
Jones County, GA 50.5 Elevated +0.0
Yates County, NY 50.5 Elevated +0.0
Mason County, WV 50.4 Elevated -0.0

Download Data

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

Find Help in Schoharie 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 Schoharie 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 Schoharie County, New York?

    Schoharie County has a County Distress Index score of 50.5 out of 100, placing it in the Elevated zone. It ranks 1,554th nationally out of 3,144 counties and 23rd in New York out of 62 counties.

  • What drives financial distress in Schoharie County?

    The primary driver of distress in Schoharie County is Employment & Wages, where the county scores 74.9 out of 100. This domain is measured by indicators including Unemployment Rate, Wage-to-Rent Ratio, Business Formation Rate.

  • How does Schoharie County compare to neighboring counties?

    Schoharie County (50.5) can be compared to its 6 neighboring counties: Montgomery County, NY (62.9); Delaware County, NY (50.6); 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 Schoharie County?

    Schoharie County, New York has a population of approximately 30,105 (2023 Census estimate), classified as a small county.