Delaware County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Delaware County, NY distress report, 2026: 47 ZIPs scored in Delaware, NY, Delaware, NY average 25/100; the top Delaware, NY ZIP is 12760 at 30/100; Delaware, NY market phase expansion, Delaware, NY prices +6.0% year over year.
- Delaware, NY ranks #687 nationally (opportunity index); Delaware, NY #6 in New York; Delaware, NY index 32.5.
- Delaware, NY: no CFPB county sample; Delaware, NY non-metro area reading 0.8%.
- Delaware, NY ZIP phases: 40 expansion, 7 peak.
- Delaware, NY residential listings tracked: 29 across 34 ZIPs; Delaware, NY candidate listings 13.
- Delaware, NY HUD assisted properties: 4 with 121 units.
- Delaware, NY lenders on watch: 3; largest Delaware, NY footprint Nbt Bank National Assn (5 branches).
- Delaware, NY most distressed ZIP: 12760 at 30/100.
Delaware, NY figures: DLRadar distress index; Delaware, NY inputs: CFPB, FHFA, HUD, FDIC; Delaware, NY rebuilt as sources refresh.
| Rank | Delaware, NY ZIP | Score |
|---|---|---|
| 1 | 12760 | 30/100 |
| 2 | 12776 | 30/100 |
| 3 | 13754 | 30/100 |
| 4 | 13733 | 29/100 |
| 5 | 12421 | 27/100 |
| 6 | 12434 | 27/100 |
| 7 | 12438 | 27/100 |
| 8 | 12459 | 27/100 |
| 9 | 12474 | 27/100 |
| 10 | 13731 | 27/100 |
| 11 | 13739 | 27/100 |
| 12 | 13740 | 27/100 |
Most distressed Delaware, NY ZIPs (0-100, 2026)
Mortgage delinquency around Delaware, NY
No CFPB county sample covers Delaware, NY; the non-metro area reading for Delaware, NY: 0.8% ninety-plus; Delaware, NY area thirty-to-eighty-nine 3.0% (December 2025, Delaware, NY); New York overall 1.0%.
Opportunity index: Delaware, NY
Delaware, NY index 32.5, Delaware, NY phase watchlist; Delaware, NY primary driver vacancy, Delaware, NY second driver bank institutional. Delaware, NY components: property stress 24.5, foreclosure pressure 23.8, listing discounts 31.4, bank stress 60.6, insurance 0.0; Delaware, NY pulse 37.3; Delaware, NY capital opportunity 25.4; Delaware, NY seven-day change -0.4%.
ZIP market phases inside Delaware, NY
47 Delaware, NY ZIPs carry a price-cycle phase; Delaware, NY ZIPs by phase (Delaware, NY), deepest drawdown first: peak, +3.1% YoY, 2.7% off peak (Delaware, NY): 12465; peak, +3.4% YoY, 2.4% off peak (Delaware, NY): 12406; peak, +3.3% YoY, 1.2% off peak (Delaware, NY): 13754; peak, +4.9% YoY, 1.0% off peak (Delaware, NY): 12441; peak, +4.2% YoY, 1.0% off peak (Delaware, NY): 12758; expansion, +5.8% YoY, 0.2% off peak (Delaware, NY): 12455; expansion, +5.9% YoY, 0.0% off peak (Delaware, NY): 13783; expansion, +6.4% YoY (Delaware, NY): 12093; peak, +5.0% YoY (Delaware, NY): 12155; expansion, +6.3% YoY (Delaware, NY): 12167; expansion, +6.0% YoY (Delaware, NY): 12421, 12430, 12434, 12438, Delaware, NY 12459, 12468.
Residential listings by Delaware, NY ZIP
Delaware, NY ZIPs with the most tracked Delaware, NY residential listings: 13775 5 listings, 3 candidates, bank pressure 69; 13731 4 listings, 2 candidates, bank pressure 71; 13856 4 listings, 2 candidates, bank pressure 71; 13740 2 listings, 1 candidates, bank pressure 71 (Delaware, NY); 13783 2 listings, 0 candidates, bank pressure 65; 13786 2 listings, 0 candidates, bank pressure 71; 13838 2 listings, 0 candidates, bank pressure 69; 12455 1 listings, 1 candidates, bank pressure 70. Delaware, NY totals: 29 listings; Delaware, NY candidates 13; active ZIPs 5.
HUD assisted housing in Delaware, NY
4 assisted properties with 121 units sit in Delaware, NY; largest Delaware, NY properties: Sidney Senior Village (Sidney) 41 units, 40 assisted; Mountain View Estates (Walton) 35 units, 35 assisted; Delhi Senior Housing (Delhi) 25 units, 25 assisted in Delaware, NY; Delhi Senior Community Ii (Delhi) 20 units, 20 assisted.
Lenders with branches in Delaware, NY
Delaware, NY lenders by branch count: Nbt Bank National Assn (Delaware, NY): stress 61, 5 branches low in Delaware, NY; Delaware Nb Of Delhi (Delaware, NY): stress 81, 4 branches low in Delaware, NY; Community Bank National Assn (Delaware, NY): stress 68, 3 branches low in Delaware, NY.
Vacancy and permits, Delaware, NY
10,854 of 30,057 Delaware, NY housing units are vacant; Delaware, NY permits, twelve months: 0 multifamily units in Delaware, NY, 83 one-to-four unit units.
Work Delaware, NY at the parcel level
Every Delaware, NY parcel carries owner and address; every Delaware, NY parcel carries APN; Delaware, NY distress scores sit on the Delaware, NY live board.
Delaware, NY figures refresh with each source.
Delaware, NY questions
Most distressed ZIP code in Delaware County, NY?
ZIP 12760 leads Delaware, NY at 30/100; next in Delaware, NY: 12776 at 30/100; the Delaware, NY average is 25/100.
Where does Delaware County, NY rank for investment opportunity?
Delaware, NY is #687 among all ranked counties, #6 in New York; the Delaware, NY driver is vacancy; Delaware, NY moved down 60 places.
How many mortgages are delinquent in Delaware County, NY?
Delaware, NY takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Delaware, NY.
Which banks lend in Delaware County, NY?
3 watched lenders hold Delaware, NY branches; the largest Delaware, NY footprints are Nbt Bank National Assn (5), Delaware Nb Of Delhi (4), Community Bank National Assn (3).
More on Delaware, NY
Delaware County, NY distress report: public-record figures for Delaware, NY; not legal advice for Delaware, NY; not tax or investment advice; verify every Delaware, NY record before acting.