York County, Pennsylvania

County Distress Index: Normal · 38.4 | 464,640 people · 57th most distressed in Pennsylvania
American Default Research

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York County, PA falls within the normal range for household financial distress at 38.4 — 2449th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing costs consume a moderate share of household income. Within Pennsylvania, it ranks 57th of 67 counties. Among its 7 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. York County's primary driver is Housing Cost Burden at 61.4 — above the national median.

Housing Cost Burden Primary driver 61.4
Rent-Burdened (30%+) 79
Severely Rent-Burdened (50%+) 60
Mortgage-Burdened (30%+) 89
Homeownership Rate 43
Rent-to-Income Ratio 36
Employment & Wages 50.9
Unemployment Rate 38
Wage-to-Rent Ratio 56
Business Formation Rate 59
Debt & Delinquency 42.7
Debt in Collections 41
Medical Debt 34
Student Loan Delinquency 30
Auto Loan Delinquency 35
Credit Card Delinquency 53
Bankruptcy Filing Rate 64
Community Vulnerability 23.7
Uninsured Rate 14
Disability Rate 33
Income & Poverty 13.3
Poverty Rate 10
Income vs. State Median 11
Child Poverty Rate 19

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

Neighbors and Peers

How York County compares to its 7 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. York County
York County, PA 38.4 Normal —
Dauphin County, PA 49.3 Normal +10.9
Baltimore County, MD 48.6 Normal +10.2
Lancaster County, PA 42.5 Normal +4.1
Adams County, PA 38.7 Normal +0.3
Cumberland County, PA 34.9 Healthy -3.6
Harford County, MD 34.4 Healthy -4.0
Carroll County, MD 30.0 Healthy -8.4

Population Peers

County Score Zone vs. York County
Clackamas County, OR 38.3 Normal -0.1
Dutchess County, NY 38.6 Normal +0.1
Prince William County, VA 38.6 Normal +0.2
Clay County, MO 38.1 Normal -0.3
Chesterfield County, VA 38.1 Normal -0.3

Download Data

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

Find Help in York County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near York County.

COMMUNITY PROGRESS COUNCIL, INC.
York
717-846-4600
Foreclosure PreventionFinancial CounselingFinancial CounselingFair Housing

See all counselors in Pennsylvania →

Find an Attorney

Pennsylvania Bar Association Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Pennsylvania Bar Association Lawyer Referral Service 1-800-932-0311

Free Legal Aid

Legal aid organizations serving York County residents at no cost.

Community Legal Services of Philadelphia 215-981-3700
MidPenn Legal Services 1-800-326-9177
Neighborhood Legal Services Association 412-255-6700
Pennsylvania Legal Aid Network (PLAN)
Laurel Legal Services, Inc. (800) 253-9558
Legal Aid of Southeastern Pennsylvania (877) 429-5994
North Penn Legal Services, Inc. (877) 953-4250
Northwestern Legal Services (814) 452-6957
Philadelphia Legal Assistance Center (215) 981-3800
Summit Legal Aid (800) 846-0871

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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Frequently Asked Questions

  • What is the distress score for York County, Pennsylvania?

    York County has a County Distress Index score of 38.4 out of 100, placing it in the Normal zone. It ranks 2,449th nationally out of 3,144 counties and 57th in Pennsylvania out of 67 counties.

  • What drives financial distress in York County?

    The primary driver of distress in York County is Housing Cost Burden, where the county scores 61.4 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does York County compare to neighboring counties?

    York County (38.4) can be compared to its 7 neighboring counties: Dauphin County, PA (49.3); Baltimore County, MD (48.6); Lancaster County, PA (42.5).

  • 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 York County?

    York County, Pennsylvania has a population of approximately 464,640 (2023 Census estimate), classified as a large county.