Chemung County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Chemung County, New York? DLRadar grades every Chemung County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 37/100. Here is the 2026 Chemung County breakdown.
- Chemung County's most distressed ZIP is 14867 at 37/100.
- 22 ZIP codes tracked in Chemung County, averaging 15/100 distress.
- Chemung County reads peak — home values up 4.0% year over year, 2.4% off peak.
- Vacancy runs 10.2% across Chemung County's tracked ZIPs, with a 13.5% poverty rate.
- The typical Chemung County home is worth about $145,752 against a ~$65,952 median income.
- Lending headwind in Chemung County sits at 68/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 14867 | 37/100 |
| 2 | 14830 | 33/100 |
| 3 | 14871 | 17/100 |
| 4 | 14812 | 16/100 |
| 5 | 14859 | 16/100 |
| 6 | 14892 | 16/100 |
| 7 | 14814 | 14/100 |
| 8 | 14816 | 12/100 |
| 9 | 14825 | 12/100 |
| 10 | 14838 | 12/100 |
| 11 | 14845 | 12/100 |
| 12 | 14861 | 12/100 |
Most distressed ZIP codes in Chemung County (composite distress 0-100, 2026)
What is driving Chemung County distress
Chemung County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 15/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Chemung County market phase and pricing
The cycle in Chemung County is peak, with values up 4.0% year over year and 2.4% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Frequently asked
Which Chemung County ZIP scores worst for distress?
ZIP 14867 leads Chemung County at 37/100, recomputed monthly from public records.
Is Chemung County expanding or contracting?
The market phase for Chemung County is peak, prices rising 4.0% on the year — derived from the FHFA House Price Index path.
What are the sources behind these Chemung County numbers?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 22 Chemung 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 Chemung County ZIP codes?
A county average hides the spread. Across the Chemung County ZIPs DLRadar ranks, scores run from 37/100 in 14867 down to 12/100 in 14861, against a Chemung County average of 15/100. A spread of 25 points means Chemung County has to be worked ZIP by ZIP.
What do Chemung County home values and vacancy say about distressed supply?
The typical Chemung County home carries about $145,752 of value against a median household income near $65,952. Vacancy across Chemung County's tracked ZIPs runs 10.2% and the poverty rate is 13.5%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Chemung County's foreclosure and tax-lien filings and its 68/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.