Erie County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Erie County, NY distress report, 2026: 72 ZIPs scored in Erie, NY, Erie, NY average 23/100; the top Erie, NY ZIP is 14006 at 23/100; Erie, NY market phase peak, Erie, NY prices +4.1% year over year.
- Erie, NY ranks #2,621 nationally (opportunity index); Erie, NY #52 in New York; Erie, NY index 25.3.
- Erie, NY ninety-day mortgage delinquency 1.0% in December 2025; Erie, NY twelve-month change +0.2%.
- Erie, NY ZIP phases: 70 peak, 2 expansion.
- Erie, NY residential listings tracked: 251 across 60 ZIPs; Erie, NY candidate listings 78.
- Erie, NY HUD assisted properties: 90 with 4,817 units.
- Erie, NY lenders on watch: 8; largest Erie, NY footprint Manufacturers&Traders Tr Co (44 branches).
- Erie, NY most distressed ZIP: 14006 at 23/100.
Erie, NY figures: DLRadar distress index; Erie, NY inputs: CFPB, FHFA, HUD, FDIC; Erie, NY rebuilt as sources refresh.
| Rank | Erie, NY ZIP | Score |
|---|---|---|
| 1 | 14006 | 23/100 |
| 2 | 14025 | 23/100 |
| 3 | 14026 | 23/100 |
| 4 | 14027 | 23/100 |
| 5 | 14031 | 23/100 |
| 6 | 14032 | 23/100 |
| 7 | 14033 | 23/100 |
| 8 | 14034 | 23/100 |
| 9 | 14035 | 23/100 |
| 10 | 14043 | 23/100 |
| 11 | 14047 | 23/100 |
| 12 | 14051 | 23/100 |
Most distressed Erie, NY ZIPs (0-100, 2026)
Mortgage delinquency in Erie, NY
1.0% of Erie, NY mortgages were ninety-plus days late (Erie, NY, December 2025); Erie, NY thirty-to-eighty-nine days late: 2.3%; Erie, NY twelve-month change +0.2%; Erie, NY peak since 2008: 2.6% (January 2012); New York overall 1.0%. Erie, NY ninety-day series: Dec 24 0.8, Jan 25 0.7, Feb 25 0.7 (Erie, NY), Mar 25 0.7, Apr 25 0.6, May 25 0.6 (Erie, NY), Jun 25 0.7, Jul 25 0.8, Aug 25 0.8 (Erie, NY), Sep 25 1.0, Oct 25 0.9, Nov 25 1.0 (Erie, NY), Dec 25 1.0.
Opportunity index: Erie, NY
Erie, NY index 25.3, Erie, NY phase weak; Erie, NY primary driver bank institutional, Erie, NY second driver vacancy. Erie, NY components: property stress 13.0, foreclosure pressure 10.9, listing discounts 30.1, bank stress 57.5, insurance 0.0; Erie, NY pulse 26.6; Erie, NY capital opportunity 23.3; Erie, NY seven-day change +0.2%.
ZIP market phases inside Erie, NY
72 Erie, NY ZIPs carry a price-cycle phase; Erie, NY ZIPs by phase (Erie, NY), deepest drawdown first: peak, +4.2% YoY (Erie, NY): 14001; peak, +4.4% YoY (Erie, NY): 14004; peak, +4.1% YoY (Erie, NY): 14006, 14025, 14026, 14027, Erie, NY 14031, 14032, 14033, 14034, Erie, NY 14035, 14043, 14047; peak, +4.9% YoY (Erie, NY): 14013; peak, +4.3% YoY (Erie, NY): 14030; expansion, +5.8% YoY (Erie, NY): 14037.
Residential listings by Erie, NY ZIP
Erie, NY ZIPs with the most tracked Erie, NY residential listings: 14221 23 listings, 4 candidates, bank pressure 60; 14224 16 listings, 5 candidates, bank pressure 60; 14215 15 listings, 0 candidates, bank pressure 60; 14225 15 listings, 2 candidates, bank pressure 60 (Erie, NY); 14223 13 listings, 2 candidates, bank pressure 60; 14207 12 listings, 4 candidates, bank pressure 60; 14211 12 listings, 4 candidates, bank pressure 60; 14226 12 listings, 4 candidates, bank pressure 60. Erie, NY totals: 251 listings; Erie, NY candidates 78; active ZIPs 45.
HUD assisted housing in Erie, NY
90 assisted properties with 4,817 units sit in Erie, NY; largest Erie, NY properties: Snyder Park Village Apartments (Amherst) 388 units; Sutton Place Apts (Amherst) 246 units, 137 assisted; Autumn Creek Apartments (East Amherst) 228 units in Erie, NY; Pine Harbor Apartments (Buffalo) 208 units; Jewish Federation Apartments (Williamsville) 154 units, 150 assisted; Ken-Ton Presbyterian Village (Buffalo) 151 units, 150 assisted.
Lenders with branches in Erie, NY
Erie, NY lenders by branch count: Manufacturers&Traders Tr Co (Erie, NY): stress 52, 44 branches low in Erie, NY; Nbt Bank National Assn (Erie, NY): stress 61, 13 branches low in Erie, NY; Community Bank National Assn (Erie, NY): stress 68, 6 branches low in Erie, NY; Five Star Bank (Erie, NY): stress 59, 6 branches low in Erie, NY; Lake Shore Bank (Erie, NY): stress 45, 6 branches low in Erie, NY; Bank Of Holland (Erie, NY): stress 69, 3 branches low in Erie, NY; Alden State Bank (Erie, NY): stress 50, 3 branches low in Erie, NY; Cattaraugus County Bank (Erie, NY): stress 76, 1 branch low in Erie, NY.
Vacancy and permits, Erie, NY
31,549 of 441,214 Erie, NY housing units are vacant; Erie, NY permits, twelve months: 545 multifamily units in Erie, NY, 617 one-to-four unit units.
Work Erie, NY at the parcel level
Every Erie, NY parcel carries owner and address; every Erie, NY parcel carries APN; Erie, NY distress scores sit on the Erie, NY live board.
Erie, NY figures refresh with each source.
Erie, NY questions
Most distressed ZIP code in Erie County, NY?
ZIP 14006 leads Erie, NY at 23/100; next in Erie, NY: 14025 at 23/100; the Erie, NY average is 23/100.
Where does Erie County, NY rank for investment opportunity?
Erie, NY is #2,621 among all ranked counties, #52 in New York; the Erie, NY driver is bank institutional; Erie, NY moved up 281 places.
How many mortgages are delinquent in Erie County, NY?
1.0% of Erie, NY mortgages were ninety-plus days late in December 2025; the Erie, NY peak since 2008 was 2.6%.
Which banks lend in Erie County, NY?
8 watched lenders hold Erie, NY branches; the largest Erie, NY footprints are Manufacturers&Traders Tr Co (44), Nbt Bank National Assn (13), Community Bank National Assn (6).
More on Erie, NY
Erie County, NY distress report: public-record figures for Erie, NY; not legal advice for Erie, NY; not tax or investment advice; verify every Erie, NY record before acting.