Cortland County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cortland County, NY distress report, 2026: 18 ZIPs scored in Cortland, NY, Cortland, NY average 20/100; the top Cortland, NY ZIP is 13136 at 29/100; Cortland, NY market phase peak, Cortland, NY prices +4.9% year over year.
- Cortland, NY ranks #1,376 nationally (opportunity index); Cortland, NY #24 in New York; Cortland, NY index 29.8.
- Cortland, NY: no CFPB county sample; Cortland, NY non-metro area reading 0.8%.
- Cortland, NY ZIP phases: 10 peak, 7 expansion, 1 contraction.
- Cortland, NY residential listings tracked: 22 across 11 ZIPs; Cortland, NY candidate listings 13.
- Cortland, NY HUD assisted properties: 3 with 305 units.
- Cortland, NY lenders on watch: 4; largest Cortland, NY footprint Nbt Bank National Assn (4 branches).
- Cortland, NY most distressed ZIP: 13136 at 29/100.
Cortland, NY figures: DLRadar distress index; Cortland, NY inputs: CFPB, FHFA, HUD, FDIC; Cortland, NY rebuilt as sources refresh.
| Rank | Cortland, NY ZIP | Score |
|---|---|---|
| 1 | 13136 | 29/100 |
| 2 | 13862 | 29/100 |
| 3 | 13841 | 27/100 |
| 4 | 13835 | 21/100 |
| 5 | 13040 | 19/100 |
| 6 | 13052 | 19/100 |
| 7 | 13141 | 19/100 |
| 8 | 13159 | 19/100 |
| 9 | 13803 | 19/100 |
| 10 | 13053 | 18/100 |
| 11 | 13077 | 18/100 |
| 12 | 13087 | 18/100 |
Most distressed Cortland, NY ZIPs (0-100, 2026)
Mortgage delinquency around Cortland, NY
No CFPB county sample covers Cortland, NY; the non-metro area reading for Cortland, NY: 0.8% ninety-plus; Cortland, NY area thirty-to-eighty-nine 3.0% (December 2025, Cortland, NY); New York overall 1.0%.
Opportunity index: Cortland, NY
Cortland, NY index 29.8, Cortland, NY phase early_signal; Cortland, NY primary driver bank institutional, Cortland, NY second driver vacancy. Cortland, NY components: property stress 20.6, foreclosure pressure 18.9, listing discounts 39.6, bank stress 58.9, insurance 0.0; Cortland, NY pulse 30.9; Cortland, NY capital opportunity 28.2; Cortland, NY seven-day change +0.2%.
ZIP market phases inside Cortland, NY
18 Cortland, NY ZIPs carry a price-cycle phase; Cortland, NY ZIPs by phase (Cortland, NY), deepest drawdown first: contraction, -1.0% YoY, 3.9% off peak (Cortland, NY): 13053; peak, +1.8% YoY, 1.8% off peak (Cortland, NY): 13862; peak, +2.3% YoY, 1.6% off peak (Cortland, NY): 13835; peak, +4.3% YoY, 0.4% off peak (Cortland, NY): 13045; peak, +4.6% YoY, 0.2% off peak (Cortland, NY): 13803; expansion, +5.6% YoY, 0.1% off peak (Cortland, NY): 13841; peak, +4.9% YoY, 0.0% off peak (Cortland, NY): 13863; expansion, +5.1% YoY (Cortland, NY): 13040; expansion, +5.6% YoY (Cortland, NY): 13052; expansion, +5.0% YoY (Cortland, NY): 13077; peak, +4.9% YoY (Cortland, NY): 13087, 13101, 13158; expansion, +6.0% YoY (Cortland, NY): 13136; expansion, +5.2% YoY (Cortland, NY): 13141; expansion, +5.5% YoY (Cortland, NY): 13159.
Residential listings by Cortland, NY ZIP
Cortland, NY ZIPs with the most tracked Cortland, NY residential listings: 13045 7 listings, 3 candidates, bank pressure 64; 13803 5 listings, 3 candidates, bank pressure 62; 13101 3 listings, 3 candidates, bank pressure 61; 13158 3 listings, 3 candidates, bank pressure 65 (Cortland, NY); 13040 2 listings, 0 candidates, bank pressure 62; 13077 1 listings, 1 candidates, bank pressure 66; 13863 1 listings, 0 candidates, bank pressure 62; 13087 0 listings, 0 candidates, bank pressure 61. Cortland, NY totals: 22 listings; Cortland, NY candidates 13; active ZIPs 7.
HUD assisted housing in Cortland, NY
3 assisted properties with 305 units sit in Cortland, NY; largest Cortland, NY properties: Cortland Park (Coutland) 146 units; Friendship House (Cortland) 101 units, 100 assisted; Northcliffe Apartments (Cortland) 58 units, 58 assisted in Cortland, NY.
Lenders with branches in Cortland, NY
Cortland, NY lenders by branch count: Nbt Bank National Assn (Cortland, NY): stress 61, 4 branches low in Cortland, NY; First Nb Of Dryden (Cortland, NY): stress 54, 2 branches low in Cortland, NY; Tompkins Community Bank (Cortland, NY): stress 65, 1 branch moderate in Cortland, NY; Chemung Canal Trust Co (Cortland, NY): stress 60, 1 branch moderate in Cortland, NY.
Vacancy and permits, Cortland, NY
1,842 of 20,841 Cortland, NY housing units are vacant; Cortland, NY permits, twelve months: 76 multifamily units in Cortland, NY, 25 one-to-four unit units.
Work Cortland, NY at the parcel level
Every Cortland, NY parcel carries owner and address; every Cortland, NY parcel carries APN; Cortland, NY distress scores sit on the Cortland, NY live board.
Cortland, NY figures refresh with each source.
Cortland, NY questions
Most distressed ZIP code in Cortland County, NY?
ZIP 13136 leads Cortland, NY at 29/100; next in Cortland, NY: 13862 at 29/100; the Cortland, NY average is 20/100.
Where does Cortland County, NY rank for investment opportunity?
Cortland, NY is #1,376 among all ranked counties, #24 in New York; the Cortland, NY driver is bank institutional; Cortland, NY moved up 761 places.
How many mortgages are delinquent in Cortland County, NY?
Cortland, NY takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Cortland, NY.
Which banks lend in Cortland County, NY?
4 watched lenders hold Cortland, NY branches; the largest Cortland, NY footprints are Nbt Bank National Assn (4), First Nb Of Dryden (2), Tompkins Community Bank (1).
More on Cortland, NY
Cortland County, NY distress report: public-record figures for Cortland, NY; not legal advice for Cortland, NY; not tax or investment advice; verify every Cortland, NY record before acting.