Cayuga County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cayuga County, New York? DLRadar grades every Cayuga County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 37/100. Here is the 2026 Cayuga County breakdown.
- Cayuga County's most distressed ZIP is 13073 at 37/100.
- 26 ZIP codes tracked in Cayuga County, averaging 19/100 distress.
- Cayuga County reads peak — home values up 4.9% year over year.
- Vacancy runs 15.4% across Cayuga County's tracked ZIPs, with a 11.3% poverty rate.
- The typical Cayuga County home is worth about $180,400 against a ~$72,447 median income.
- Lending headwind in Cayuga County sits at 89/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 13073 | 37/100 |
| 2 | 13126 | 27/100 |
| 3 | 13074 | 26/100 |
| 4 | 13045 | 21/100 |
| 5 | 13027 | 20/100 |
| 6 | 13111 | 20/100 |
| 7 | 13021 | 18/100 |
| 8 | 13024 | 18/100 |
| 9 | 13026 | 18/100 |
| 10 | 13033 | 18/100 |
| 11 | 13034 | 18/100 |
| 12 | 13071 | 18/100 |
Most distressed ZIP codes in Cayuga County (composite distress 0-100, 2026)
What is driving Cayuga County distress
Cayuga County's placement in the national index rests on public filings — a 19/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Cayuga County market phase and pricing
The cycle in Cayuga County is peak, with values up 4.9% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Frequently asked
What is the most distressed ZIP code in Cayuga County, NY?
ZIP 13073 leads Cayuga County at 37/100, recomputed monthly from public records.
Where is Cayuga County in the housing cycle?
Cayuga County currently sits in peak, with values up 4.9% year on year, based on FHFA price-index trajectory.
Where does the Cayuga County data come from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 26 Cayuga County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Cayuga County ZIP codes?
One county number flattens a wide range. Across the Cayuga County ZIPs DLRadar ranks, scores run from 37/100 in 13073 down to 18/100 in 13071, against a Cayuga County average of 19/100. With 19 points between best and worst, county-level targeting in Cayuga County wastes effort.
What do Cayuga County home values and vacancy say about distressed supply?
The typical Cayuga County home carries about $180,400 of value against a median household income near $72,447. Vacancy across Cayuga County's tracked ZIPs runs 15.4% and the poverty rate is 11.3%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Cayuga County's foreclosure and tax-lien record and its 89/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.