Jefferson County, New York
Income Data
At a Glance
How Jefferson County Compares
Detailed Income Statistics
Data Story
About Household Income in Jefferson County, New York
Jefferson lags national income standard
Jefferson County's median household income of $64,978 ranks 13.1% below the national median of $74,755, reflecting regional economic challenges. The $9,777 annual earnings gap compounds over a lifetime, limiting wealth accumulation opportunities.
Lower third among New York counties
Jefferson County ranks 51st of 62 New York counties for median household income, falling $11,455 below the state average of $76,433. Per capita income of $34,603 trails the state average by 15.9%, indicating below-average earning power across the population.
Below most upstate peers
Jefferson's $64,978 median exceeds only Fulton County ($62,615) among the eight surveyed counties, significantly trailing Genesee ($72,055), Greene ($74,011), and Hamilton ($68,950). The county ranks among the most economically challenged in the region.
Housing affordability severely strained
Jefferson County's rent-to-income ratio of 22.4%—the highest in the eight-county group—signals housing stress despite affordable absolute costs. Median home values of $181,000 require nearly 2.8 years of median household income, straining household budgets already constrained by lower earnings.
Prioritize emergency savings first
Jefferson County households should focus on building 3-6 months of emergency savings before investing, given tight budgets and housing pressures. Free financial literacy programs and credit counseling services are essential tools for residents working to build financial stability.
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County median: $64,978 per year
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vs. National Median
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Compare RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.