Chemung County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Chemung County, NY distress report, 2026: 22 ZIPs scored in Chemung, NY, Chemung, NY average 15/100; the top Chemung, NY ZIP is 14867 at 36/100; Chemung, NY market phase peak, Chemung, NY prices +4.0% year over year.
- Chemung, NY ranks #1,302 nationally (opportunity index); Chemung, NY #22 in New York; Chemung, NY index 30.1.
- Chemung, NY: no CFPB county sample; Chemung, NY non-metro area reading 0.8%.
- Chemung, NY ZIP phases: 18 peak, 3 expansion, 1 contraction.
- Chemung, NY residential listings tracked: 48 across 15 ZIPs; Chemung, NY candidate listings 29.
- Chemung, NY HUD assisted properties: 3 with 212 units.
- Chemung, NY lenders on watch: 4; largest Chemung, NY footprint Chemung Canal Trust Co (6 branches).
- Chemung, NY most distressed ZIP: 14867 at 36/100.
Chemung, NY figures: DLRadar distress index; Chemung, NY inputs: CFPB, FHFA, HUD, FDIC; Chemung, NY rebuilt as sources refresh.
| Rank | Chemung, NY ZIP | Score |
|---|---|---|
| 1 | 14867 | 36/100 |
| 2 | 14830 | 32/100 |
| 3 | 14871 | 17/100 |
| 4 | 14812 | 16/100 |
| 5 | 14859 | 16/100 |
| 6 | 14892 | 16/100 |
| 7 | 14814 | 15/100 |
| 8 | 14816 | 13/100 |
| 9 | 14825 | 13/100 |
| 10 | 14845 | 13/100 |
| 11 | 14861 | 13/100 |
| 12 | 14872 | 13/100 |
Most distressed Chemung, NY ZIPs (0-100, 2026)
Mortgage delinquency around Chemung, NY
No CFPB county sample covers Chemung, NY; the non-metro area reading for Chemung, NY: 0.8% ninety-plus; Chemung, NY area thirty-to-eighty-nine 3.0% (December 2025, Chemung, NY); New York overall 1.0%.
Opportunity index: Chemung, NY
Chemung, NY index 30.1, Chemung, NY phase early_signal; Chemung, NY primary driver bank institutional, Chemung, NY second driver vacancy. Chemung, NY components: property stress 15.3, foreclosure pressure 12.6, listing discounts 43.7, bank stress 54.9, insurance 0.1; Chemung, NY pulse 30.4; Chemung, NY capital opportunity 29.6; Chemung, NY seven-day change +0.1%.
ZIP market phases inside Chemung, NY
22 Chemung, NY ZIPs carry a price-cycle phase; Chemung, NY ZIPs by phase (Chemung, NY), deepest drawdown first: contraction, -5.0% YoY, 6.6% off peak (Chemung, NY): 14867; peak, +4.0% YoY, 2.4% off peak (Chemung, NY): 14816, 14825, 14845, 14861, Chemung, NY 14872, 14894, 14901, 14903, Chemung, NY 14904, 14905; peak, +4.1% YoY, 2.3% off peak (Chemung, NY): 14838; peak, +4.0% YoY, 2.2% off peak (Chemung, NY): 14814, 14889; peak, +2.7% YoY, 2.1% off peak (Chemung, NY): 14859; peak, +2.5% YoY, 2.0% off peak (Chemung, NY): 14892.
Residential listings by Chemung, NY ZIP
Chemung, NY ZIPs with the most tracked Chemung, NY residential listings: 14901 12 listings, 10 candidates, bank pressure 59; 14904 9 listings, 2 candidates, bank pressure 59; 14905 8 listings, 8 candidates, bank pressure 59; 14903 6 listings, 4 candidates, bank pressure 59 (Chemung, NY); 14838 3 listings, 1 candidates, bank pressure 60; 14845 3 listings, 2 candidates, bank pressure 59; 14814 2 listings, 0 candidates, bank pressure 62; 14871 2 listings, 2 candidates, bank pressure 62. Chemung, NY totals: 48 listings; Chemung, NY candidates 29; active ZIPs 9.
HUD assisted housing in Chemung, NY
3 assisted properties with 212 units sit in Chemung, NY; largest Chemung, NY properties: Hickory Grove Apts. (Horseheads) 160 units; Carpenter Housing (Elmira) 40 units, 39 assisted; Miller Manor (Elmira) 12 units, 12 assisted in Chemung, NY.
Lenders with branches in Chemung, NY
Chemung, NY lenders by branch count: Chemung Canal Trust Co (Chemung, NY): stress 60, 6 branches low in Chemung, NY; Community Bank National Assn (Chemung, NY): stress 68, 3 branches low in Chemung, NY; Five Star Bank (Chemung, NY): stress 59, 2 branches low in Chemung, NY; Manufacturers&Traders Tr Co (Chemung, NY): stress 52, 1 branch low in Chemung, NY.
Vacancy and permits, Chemung, NY
3,990 of 39,252 Chemung, NY housing units are vacant; Chemung, NY permits, twelve months: 82 multifamily units in Chemung, NY, 35 one-to-four unit units.
Work Chemung, NY at the parcel level
Every Chemung, NY parcel carries owner and address; every Chemung, NY parcel carries APN; Chemung, NY distress scores sit on the Chemung, NY live board.
Chemung, NY figures refresh with each source.
Chemung, NY questions
Most distressed ZIP code in Chemung County, NY?
ZIP 14867 leads Chemung, NY at 36/100; next in Chemung, NY: 14830 at 32/100; the Chemung, NY average is 15/100.
Where does Chemung County, NY rank for investment opportunity?
Chemung, NY is #1,302 among all ranked counties, #22 in New York; the Chemung, NY driver is bank institutional; Chemung, NY moved up 919 places.
How many mortgages are delinquent in Chemung County, NY?
Chemung, NY takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Chemung, NY.
Which banks lend in Chemung County, NY?
4 watched lenders hold Chemung, NY branches; the largest Chemung, NY footprints are Chemung Canal Trust Co (6), Community Bank National Assn (3), Five Star Bank (2).
More on Chemung, NY
Chemung County, NY distress report: public-record figures for Chemung, NY; not legal advice for Chemung, NY; not tax or investment advice; verify every Chemung, NY record before acting.