Essex County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Essex County, NY distress report, 2026: 36 ZIPs scored in Essex, NY, Essex, NY average 21/100; the top Essex, NY ZIP is 12913 at 23/100; Essex, NY market phase expansion, Essex, NY prices +6.0% year over year.
- Essex, NY ranks #1,147 nationally (opportunity index); Essex, NY #19 in New York; Essex, NY index 30.7.
- Essex, NY: no CFPB county sample; Essex, NY non-metro area reading 0.8%.
- Essex, NY ZIP phases: 36 expansion.
- Essex, NY residential listings tracked: 12 across 29 ZIPs; Essex, NY candidate listings 7.
- Essex, NY HUD assisted properties: 1 with 40 units.
- Essex, NY lenders on watch: 5; largest Essex, NY footprint Champlain National Bank (6 branches).
- Essex, NY most distressed ZIP: 12913 at 23/100.
Essex, NY figures: DLRadar distress index; Essex, NY inputs: CFPB, FHFA, HUD, FDIC; Essex, NY rebuilt as sources refresh.
| Rank | Essex, NY ZIP | Score |
|---|---|---|
| 1 | 12913 | 23/100 |
| 2 | 12983 | 23/100 |
| 3 | 12851 | 22/100 |
| 4 | 12852 | 22/100 |
| 5 | 12855 | 22/100 |
| 6 | 12857 | 22/100 |
| 7 | 12858 | 22/100 |
| 8 | 12870 | 22/100 |
| 9 | 12872 | 22/100 |
| 10 | 12883 | 22/100 |
| 11 | 12928 | 22/100 |
| 12 | 12932 | 22/100 |
Most distressed Essex, NY ZIPs (0-100, 2026)
Mortgage delinquency around Essex, NY
No CFPB county sample covers Essex, NY; the non-metro area reading for Essex, NY: 0.8% ninety-plus; Essex, NY area thirty-to-eighty-nine 3.0% (December 2025, Essex, NY); New York overall 1.0%.
Opportunity index: Essex, NY
Essex, NY index 30.7, Essex, NY phase early_signal; Essex, NY primary driver vacancy, Essex, NY second driver bank institutional. Essex, NY components: property stress 24.3, foreclosure pressure 23.9, listing discounts 14.8, bank stress 60.8, insurance 0.0; Essex, NY pulse 38.8; Essex, NY capital opportunity 18.6; Essex, NY seven-day change -0.8%.
ZIP market phases inside Essex, NY
36 Essex, NY ZIPs carry a price-cycle phase; Essex, NY ZIPs by phase (Essex, NY), deepest drawdown first: expansion, +9.0% YoY (Essex, NY): 12836; expansion, +6.0% YoY (Essex, NY): 12851, 12852, 12855, 12857, Essex, NY 12858, 12870, 12872, 12883, Essex, NY 12913, 12928, 12932; expansion, +9.1% YoY (Essex, NY): 12853, 12861; expansion, +5.1% YoY (Essex, NY): 12911, 12912.
Residential listings by Essex, NY ZIP
Essex, NY ZIPs with the most tracked Essex, NY residential listings: 12883 3 listings, 3 candidates, bank pressure 73; 12852 2 listings, 2 candidates, bank pressure 76; 12944 2 listings, 2 candidates, bank pressure 72; 12996 2 listings, 0 candidates, bank pressure 76 (Essex, NY); 12928 1 listings, 0 candidates, bank pressure 76; 12943 1 listings, 0 candidates, bank pressure 76; 12950 1 listings, 0 candidates, bank pressure 76; 12851 0 listings, 0 candidates, bank pressure 76. Essex, NY totals: 12 listings; Essex, NY candidates 7; active ZIPs 3.
HUD assisted housing in Essex, NY
1 assisted properties with 40 units sit in Essex, NY; largest Essex, NY properties: Lord Howe Estates (Ticonderoga) 40 units, 40 assisted.
Lenders with branches in Essex, NY
Essex, NY lenders by branch count: Champlain National Bank (Essex, NY): stress 81, 6 branches low in Essex, NY; Arrow Bank National Assn (Essex, NY): stress 70, 4 branches low in Essex, NY; Community Bank National Assn (Essex, NY): stress 68, 3 branches low in Essex, NY; Nbt Bank National Assn (Essex, NY): stress 61, 3 branches low in Essex, NY; Adirondack Bank (Essex, NY): stress 100, 2 branches low in Essex, NY.
Vacancy and permits, Essex, NY
9,142 of 25,484 Essex, NY housing units are vacant; Essex, NY permits, twelve months: 10 multifamily units in Essex, NY, 160 one-to-four unit units.
Work Essex, NY at the parcel level
Every Essex, NY parcel carries owner and address; every Essex, NY parcel carries APN; Essex, NY distress scores sit on the Essex, NY live board.
Essex, NY figures refresh with each source.
Essex, NY questions
Most distressed ZIP code in Essex County, NY?
ZIP 12913 leads Essex, NY at 23/100; next in Essex, NY: 12983 at 23/100; the Essex, NY average is 21/100.
Where does Essex County, NY rank for investment opportunity?
Essex, NY is #1,147 among all ranked counties, #19 in New York; the Essex, NY driver is vacancy; Essex, NY moved down 773 places.
How many mortgages are delinquent in Essex County, NY?
Essex, NY takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Essex, NY.
Which banks lend in Essex County, NY?
5 watched lenders hold Essex, NY branches; the largest Essex, NY footprints are Champlain National Bank (6), Arrow Bank National Assn (4), Community Bank National Assn (3).
More on Essex, NY
Essex County, NY distress report: public-record figures for Essex, NY; not legal advice for Essex, NY; not tax or investment advice; verify every Essex, NY record before acting.