Clinton County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clinton County, NY distress report, 2026: 27 ZIPs scored in Clinton, NY, Clinton, NY average 18/100; the top Clinton, NY ZIP is 12920 at 23/100; Clinton, NY market phase peak, Clinton, NY prices +4.9% year over year.
- Clinton, NY ranks #1,819 nationally (opportunity index); Clinton, NY #29 in New York; Clinton, NY index 28.4.
- Clinton, NY: no CFPB county sample; Clinton, NY non-metro area reading 0.8%.
- Clinton, NY ZIP phases: 23 peak, 4 expansion.
- Clinton, NY residential listings tracked: 15 across 25 ZIPs; Clinton, NY candidate listings 9.
- Clinton, NY HUD assisted properties: 5 with 156 units.
- Clinton, NY lenders on watch: 6; largest Clinton, NY footprint Champlain National Bank (3 branches).
- Clinton, NY most distressed ZIP: 12920 at 23/100.
Clinton, NY figures: DLRadar distress index; Clinton, NY inputs: CFPB, FHFA, HUD, FDIC; Clinton, NY rebuilt as sources refresh.
| Rank | Clinton, NY ZIP | Score |
|---|---|---|
| 1 | 12920 | 23/100 |
| 2 | 12944 | 22/100 |
| 3 | 12912 | 19/100 |
| 4 | 12911 | 18/100 |
| 5 | 12981 | 18/100 |
| 6 | 12901 | 17/100 |
| 7 | 12903 | 17/100 |
| 8 | 12910 | 17/100 |
| 9 | 12918 | 17/100 |
| 10 | 12919 | 17/100 |
| 11 | 12921 | 17/100 |
| 12 | 12923 | 17/100 |
Most distressed Clinton, NY ZIPs (0-100, 2026)
Mortgage delinquency around Clinton, NY
No CFPB county sample covers Clinton, NY; the non-metro area reading for Clinton, NY: 0.8% ninety-plus; Clinton, NY area thirty-to-eighty-nine 3.0% (December 2025, Clinton, NY); New York overall 1.0%.
Opportunity index: Clinton, NY
Clinton, NY index 28.4, Clinton, NY phase early_signal; Clinton, NY primary driver construction, Clinton, NY second driver bank institutional. Clinton, NY components: property stress 14.1, foreclosure pressure 12.5, listing discounts 32.3, bank stress 54.6, insurance 0.0; Clinton, NY pulse 30.8; Clinton, NY capital opportunity 24.8.
ZIP market phases inside Clinton, NY
27 Clinton, NY ZIPs carry a price-cycle phase; Clinton, NY ZIPs by phase (Clinton, NY), deepest drawdown first: peak, +4.9% YoY (Clinton, NY): 12901, 12903, 12910, 12918, Clinton, NY 12919, 12921, 12923, 12924, Clinton, NY 12929, 12933, 12934, 12935; expansion, +5.1% YoY (Clinton, NY): 12911, 12912; expansion, +5.9% YoY (Clinton, NY): 12920; expansion, +5.8% YoY (Clinton, NY): 12944.
Residential listings by Clinton, NY ZIP
Clinton, NY ZIPs with the most tracked Clinton, NY residential listings: 12935 4 listings, 2 candidates, bank pressure 70; 12912 2 listings, 2 candidates, bank pressure 72; 12962 2 listings, 2 candidates, bank pressure 70; 12972 2 listings, 0 candidates, bank pressure 70 (Clinton, NY); 12981 2 listings, 2 candidates, bank pressure 70; 12901 1 listings, 0 candidates, bank pressure 70; 12919 1 listings, 0 candidates, bank pressure 70; 12985 1 listings, 1 candidates, bank pressure 70. Clinton, NY totals: 15 listings; Clinton, NY candidates 9; active ZIPs 7.
HUD assisted housing in Clinton, NY
5 assisted properties with 156 units sit in Clinton, NY; largest Clinton, NY properties: Champlain Family Housing (Rouses Point) 56 units, 56 assisted; Keeseville Country Gardens (Ausable) 50 units, 50 assisted; Arthur L. Lefevre Senior Apartments (Morrisonville) 24 units, 24 assisted in Clinton, NY; Crestview Gardens (Rouses Point) 16 units; Breezy Acres (Ellenburg) 10 units, 10 assisted.
Lenders with branches in Clinton, NY
Clinton, NY lenders by branch count: Champlain National Bank (Clinton, NY): stress 81, 3 branches low in Clinton, NY; Arrow Bank National Assn (Clinton, NY): stress 70, 3 branches low in Clinton, NY; Community Bank National Assn (Clinton, NY): stress 68, 3 branches low in Clinton, NY; Nbt Bank National Assn (Clinton, NY): stress 61, 2 branches low in Clinton, NY; Adirondack Bank (Clinton, NY): stress 100, 1 branch low in Clinton, NY; North Country Savings Bank (Clinton, NY): stress 52, 1 branch low in Clinton, NY.
Vacancy and permits, Clinton, NY
4,102 of 37,658 Clinton, NY housing units are vacant; Clinton, NY permits, twelve months: 85 multifamily units in Clinton, NY, 90 one-to-four unit units.
Work Clinton, NY at the parcel level
Every Clinton, NY parcel carries owner and address; every Clinton, NY parcel carries APN; Clinton, NY distress scores sit on the Clinton, NY live board.
Clinton, NY figures refresh with each source.
Clinton, NY questions
Most distressed ZIP code in Clinton County, NY?
ZIP 12920 leads Clinton, NY at 23/100; next in Clinton, NY: 12944 at 22/100; the Clinton, NY average is 18/100.
Where does Clinton County, NY rank for investment opportunity?
Clinton, NY is #1,819 among all ranked counties, #29 in New York; the Clinton, NY driver is construction; Clinton, NY moved up 302 places.
How many mortgages are delinquent in Clinton County, NY?
Clinton, NY takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Clinton, NY.
Which banks lend in Clinton County, NY?
6 watched lenders hold Clinton, NY branches; the largest Clinton, NY footprints are Champlain National Bank (3), Arrow Bank National Assn (3), Community Bank National Assn (3).
More on Clinton, NY
Clinton County, NY distress report: public-record figures for Clinton, NY; not legal advice for Clinton, NY; not tax or investment advice; verify every Clinton, NY record before acting.