Tioga County, New York

County Distress Index: Normal · 45.6 | 47,715 people · 40th most distressed in New York
American Default Research

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Tioga County, NY falls within the normal range for household financial distress at 45.6 — 1936th 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 40th of 62 counties. Among its 6 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Tioga County's primary driver is Housing Cost Burden at 58.8 — above the national median.

Housing Cost Burden Primary driver 58.8
Rent-Burdened (30%+) 78
Severely Rent-Burdened (50%+) 82
Mortgage-Burdened (30%+) 72
Homeownership Rate 28
Rent-to-Income Ratio 34
Income & Poverty 50.9
Poverty Rate 48
Income vs. State Median 54
Child Poverty Rate 51
Employment & Wages 50.8
Unemployment Rate 49
Wage-to-Rent Ratio 7
Business Formation Rate 96
Debt & Delinquency 42.5
Debt in Collections 33
Medical Debt 7
Student Loan Delinquency 61
Auto Loan Delinquency 60
Credit Card Delinquency 58
Bankruptcy Filing Rate 36
Community Vulnerability 24.9
Uninsured Rate 1
Disability Rate 49

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Tioga County
Tioga County, NY 45.6 Normal —
Chemung County, NY 58.4 Elevated +12.8
Cortland County, NY 53.2 Elevated +7.6
Broome County, NY 52.3 Elevated +6.7
Tompkins County, NY 47.6 Normal +2.0
Susquehanna County, PA 43.5 Normal -2.0
Bradford County, PA 43.1 Normal -2.4

Population Peers

County Score Zone vs. Tioga County
Stone County, MO 45.6 Normal 0.0
Ray County, MO 45.6 Normal +0.0
Taylor County, WV 45.6 Normal +0.0
Clark County, KY 45.5 Normal -0.0
Plaquemines Parish, LA 45.6 Normal +0.0

Download Data

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

Find Help in Tioga 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 Tioga 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 Tioga County, New York?

    Tioga County has a County Distress Index score of 45.6 out of 100, placing it in the Normal zone. It ranks 1,936th nationally out of 3,144 counties and 40th in New York out of 62 counties.

  • What drives financial distress in Tioga County?

    The primary driver of distress in Tioga County is Housing Cost Burden, where the county scores 58.8 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Tioga County compare to neighboring counties?

    Tioga County (45.6) can be compared to its 6 neighboring counties: Chemung County, NY (58.4); Cortland County, NY (53.2); Broome County, NY (52.3).

  • 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 Tioga County?

    Tioga County, New York has a population of approximately 47,715 (2023 Census estimate), classified as a small county.