Cortland County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cortland County, New York? DLRadar grades every Cortland County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 31/100. Here is the 2026 Cortland County breakdown.
- Cortland County's most distressed ZIP is 13862 at 31/100.
- 18 ZIP codes tracked in Cortland County, averaging 22/100 distress.
- Cortland County reads peak — home values up 4.9% year over year.
- Vacancy runs 21.7% across Cortland County's tracked ZIPs, with a 12.5% poverty rate.
- The typical Cortland County home is worth about $159,994 against a ~$70,206 median income.
- Lending headwind in Cortland County sits at 56/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 13862 | 31/100 |
| 2 | 13136 | 30/100 |
| 3 | 13841 | 29/100 |
| 4 | 13040 | 24/100 |
| 5 | 13087 | 23/100 |
| 6 | 13101 | 23/100 |
| 7 | 13738 | 23/100 |
| 8 | 13784 | 23/100 |
| 9 | 13803 | 23/100 |
| 10 | 13863 | 23/100 |
| 11 | 13835 | 22/100 |
| 12 | 13045 | 21/100 |
Most distressed ZIP codes in Cortland County (composite distress 0-100, 2026)
What is driving Cortland County distress
Cortland County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 22/100 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.
Cortland County market phase and pricing
Cortland County currently sits in peak after a 4.9% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Frequently asked
Which ZIP code leads Cortland County on distress?
ZIP 13862 leads Cortland County at 31/100, recomputed monthly from public records.
What market phase is Cortland County in?
The market phase for Cortland County is peak, prices rising 4.9% on the year — derived from the FHFA House Price Index path.
What is this Cortland County analysis built from?
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 18 ZIP codes in Cortland County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Cortland County ZIP codes?
Averaging the county conceals how uneven it is. Across the Cortland County ZIPs DLRadar ranks, scores run from 31/100 in 13862 down to 21/100 in 13045, against a Cortland County average of 22/100. A spread of 10 points means Cortland County has to be worked ZIP by ZIP.
What do Cortland County home values and vacancy say about distressed supply?
The typical Cortland County home carries about $159,994 of value against a median household income near $70,206. Vacancy across Cortland County's tracked ZIPs runs 21.7% and the poverty rate is 12.5%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Cortland County's foreclosure and lien data and its 56/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.