Clinton County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clinton County, New York? DLRadar grades every Clinton County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Clinton County breakdown.
- Clinton County's most distressed ZIP is 12920 at 24/100.
- 27 ZIP codes tracked in Clinton County, averaging 19/100 distress.
- Clinton County reads peak — home values up 4.9% year over year.
- Vacancy runs 16% across Clinton County's tracked ZIPs, with a 12.4% poverty rate.
- The typical Clinton County home is worth about $163,083 against a ~$71,288 median income.
- Lending headwind in Clinton County sits at 69/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 12920 | 24/100 |
| 2 | 12944 | 24/100 |
| 3 | 12912 | 20/100 |
| 4 | 12911 | 19/100 |
| 5 | 12981 | 19/100 |
| 6 | 12901 | 18/100 |
| 7 | 12903 | 18/100 |
| 8 | 12910 | 18/100 |
| 9 | 12918 | 18/100 |
| 10 | 12919 | 18/100 |
| 11 | 12921 | 18/100 |
| 12 | 12923 | 18/100 |
Most distressed ZIP codes in Clinton County (composite distress 0-100, 2026)
What is driving Clinton County distress
DLRadar builds Clinton County's distress picture only from records anyone can pull; its ZIPs average 19/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Clinton County market phase and pricing
Phase for Clinton County: peak (+4.9% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Clinton County
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Frequently asked questions
What is the hardest-hit ZIP in Clinton County?
ZIP 12920 leads Clinton County at 24/100, recomputed monthly from public records.
What stage of the price cycle is Clinton County at?
Clinton County currently sits in peak, with values up 4.9% year on year, based on FHFA price-index trajectory.
Which datasets feed the Clinton County scores?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 27 ZIP codes in Clinton County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Clinton County ZIP codes?
The county figure is a blend, not a description. Across the Clinton County ZIPs DLRadar ranks, scores run from 24/100 in 12920 down to 18/100 in 12923, against a Clinton County average of 19/100. That 6-point gap is why acquisition targeting in Clinton County works at ZIP level rather than county level.
What do Clinton County home values and vacancy say about distressed supply?
The typical Clinton County home carries about $163,083 of value against a median household income near $71,288. Vacancy across Clinton County's tracked ZIPs runs 16% and the poverty rate is 12.4%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Clinton County's foreclosure and tax-lien filings and its 69/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.