Yates County, New York
Above the national median for credit card delinquency.
Main Findings
Yates County, New York ranks 2,093rd most distressed in the United States on the County Distress Index. Yates sits near the national median across major distress indicators.
- 2,093rd of 3,144 counties on the County Distress Index — Second-least distressed fifth, 52nd in New York.
- 7% of credit card accounts are 60+ days past due (U.S. median 5%). Credit card delinquency at the 79th percentile nationally.
- Uninsured rate at 20% — national median 8%, ranked at the 96th percentile.
- Safety Net & Buffer domain score 45 — weight 20.0% of the CDI composite.
- Debt Burden (housing basis) domain score 39 — weight 20.0% of the CDI composite.
Neighbors span two CDI distress fifths. The 19-point drop to Ontario County marks where the New York distress corridor ends.
"Yates County ranks in the second-least distressed fifth of U.S. counties. The state rank and domain mix give the county-level context."
"The CDI places this county in the second-least distressed fifth nationally. The rank still belongs in context with state position and the highest-scoring local domain."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
Yates County's subprime credit share indicator is at the 17th percentile — while every other indicator in the delinquency domain sits at or above the 75th percentile. The gap stands out against the other credit indicators. Worth a call to Urban Institute or a local credit counselor in Penn Yan.
The Indicators Behind Yates County's CDI Score
Every number traces to a public source. Yates County's value shown alongside NY's median and the U.S. median. Full CSV available for download.
| Indicator | Yates | NY median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 57 · Rank 1,315 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 7% | 4% | 5% | 75th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 7% | 5% | 5% | 79th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 16% | 21% | 23% | 17th | Urban Institute (2024) |
| Default & Legal — domain score 19 · Rank 2,799 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 19% | 19% | 23% | 36th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 29 | 108 | 126 | 2nd | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 39 · Rank 2,033 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 20% | 23% | 21% | 38th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 16% | 23% | 18% | 40th | Census ACS 5-yr (2023) |
| Labor — domain score 47 · Rank 1,660 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 47th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 45 · Rank 1,779 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 18% | 18% | 18% | 52nd | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 11% | 15% | 16% | 10th | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 12% | 14% | 14% | 40th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 27% | 26% | 27% | 51st | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 20% | 4% | 8% | 96th | Census ACS 5-yr (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Yates County data — in under 60 seconds.
Draft wire copy 143-word AP-style article — use freely with attribution
PENN YAN, N.Y. — Yates County ranks 2,093rd among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 41 out of 100 places Yates in the second-least distressed fifth. Among 3,144 U.S. counties scored, 2,092 counties rank more distressed. Within New York, Yates ranks 52nd of 62 counties.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, finds Yates sitting near the national median across major distress indicators, with no single domain emerging as a clear driver.
"Yates County ranks in the second-least distressed fifth of U.S. counties. The state rank and domain mix give the county-level context," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Yates County's CDI score, and what does it mean?
What drives Yates County's distress score?
How does Yates County compare to its neighbors?
How is the County Distress Index calculated?
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