Franklin County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Franklin County, New York? DLRadar grades every Franklin County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 33/100. Here is the 2026 Franklin County breakdown.
- Franklin County's most distressed ZIP is 12967 at 33/100.
- 24 ZIP codes tracked in Franklin County, averaging 25/100 distress.
- Franklin County reads expansion — home values up 6.0% year over year.
- Vacancy runs 25.8% across Franklin County's tracked ZIPs, with a 14.7% poverty rate.
- The typical Franklin County home is worth about $155,821 against a ~$65,058 median income.
- Lending headwind in Franklin County sits at 68/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 12967 | 33/100 |
| 2 | 12914 | 26/100 |
| 3 | 12980 | 26/100 |
| 4 | 12986 | 26/100 |
| 5 | 12913 | 25/100 |
| 6 | 12930 | 25/100 |
| 7 | 12983 | 25/100 |
| 8 | 12915 | 24/100 |
| 9 | 12916 | 24/100 |
| 10 | 12917 | 24/100 |
| 11 | 12920 | 24/100 |
| 12 | 12926 | 24/100 |
Most distressed ZIP codes in Franklin County (composite distress 0-100, 2026)
What is driving Franklin County distress
Franklin County's placement in the national index rests on public filings — a 25/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Franklin County market phase and pricing
Franklin County reads expansion — home prices rose 6.0% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Franklin County
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What people ask
Which part of Franklin County, NY scores highest for distress?
ZIP 12967 leads Franklin County at 33/100, recomputed monthly from public records.
What stage of the price cycle is Franklin County at?
Franklin County currently sits in expansion, with values up 6.0% year on year, based on FHFA price-index trajectory.
Where does the Franklin County data come from?
The inputs are all public: FHFA for the expansion path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 24 ZIP codes in Franklin County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Franklin County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Franklin County ZIPs DLRadar ranks, scores run from 33/100 in 12967 down to 24/100 in 12926, against a Franklin County average of 25/100. Because the gap runs to 9 points, Franklin County rewards ZIP-level precision.
What do Franklin County home values and vacancy say about distressed supply?
The typical Franklin County home carries about $155,821 of value against a median household income near $65,058. Vacancy across Franklin County's tracked ZIPs runs 25.8% and the poverty rate is 14.7%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Franklin County's foreclosure and lien data and its 68/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.