Franklin County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Franklin County, NY distress report, 2026: 24 ZIPs scored in Franklin, NY, Franklin, NY average 23/100; the top Franklin, NY ZIP is 12967 at 30/100; Franklin, NY market phase expansion, Franklin, NY prices +6.0% year over year.
- Franklin, NY ranks #1,089 nationally (opportunity index); Franklin, NY #16 in New York; Franklin, NY index 30.8.
- Franklin, NY: no CFPB county sample; Franklin, NY non-metro area reading 0.8%.
- Franklin, NY ZIP phases: 22 expansion, 2 peak.
- Franklin, NY residential listings tracked: 14 across 22 ZIPs; Franklin, NY candidate listings 8.
- Franklin, NY HUD assisted properties: 3 with 158 units.
- Franklin, NY lenders on watch: 5; largest Franklin, NY footprint Community Bank National Assn (6 branches).
- Franklin, NY most distressed ZIP: 12967 at 30/100.
Franklin, NY figures: DLRadar distress index; Franklin, NY inputs: CFPB, FHFA, HUD, FDIC; Franklin, NY rebuilt as sources refresh.
| Rank | Franklin, NY ZIP | Score |
|---|---|---|
| 1 | 12967 | 30/100 |
| 2 | 12986 | 25/100 |
| 3 | 12914 | 24/100 |
| 4 | 12980 | 24/100 |
| 5 | 12913 | 23/100 |
| 6 | 12915 | 23/100 |
| 7 | 12916 | 23/100 |
| 8 | 12917 | 23/100 |
| 9 | 12920 | 23/100 |
| 10 | 12926 | 23/100 |
| 11 | 12930 | 23/100 |
| 12 | 12937 | 23/100 |
Most distressed Franklin, NY ZIPs (0-100, 2026)
Mortgage delinquency around Franklin, NY
No CFPB county sample covers Franklin, NY; the non-metro area reading for Franklin, NY: 0.8% ninety-plus; Franklin, NY area thirty-to-eighty-nine 3.0% (December 2025, Franklin, NY); New York overall 1.0%.
Opportunity index: Franklin, NY
Franklin, NY index 30.8, Franklin, NY phase early_signal; Franklin, NY primary driver vacancy, Franklin, NY second driver bank institutional. Franklin, NY components: property stress 24.9, foreclosure pressure 23.8, listing discounts 21.5, bank stress 51.7, insurance 0.0; Franklin, NY pulse 35.8; Franklin, NY capital opportunity 23.2; Franklin, NY seven-day change -0.4%.
ZIP market phases inside Franklin, NY
24 Franklin, NY ZIPs carry a price-cycle phase; Franklin, NY ZIPs by phase (Franklin, NY), deepest drawdown first: expansion, +6.0% YoY (Franklin, NY): 12913, 12915, 12916, 12917, Franklin, NY 12926, 12937, 12939, 12945, Franklin, NY 12953, 12957, 12966, 12969; expansion, +5.8% YoY (Franklin, NY): 12914; expansion, +5.9% YoY (Franklin, NY): 12920, 12930; peak, +4.9% YoY (Franklin, NY): 12967.
Residential listings by Franklin, NY ZIP
Franklin, NY ZIPs with the most tracked Franklin, NY residential listings: 12983 4 listings, 1 candidates, bank pressure 73; 12953 3 listings, 0 candidates, bank pressure 71; 12920 2 listings, 2 candidates, bank pressure 70; 12986 2 listings, 2 candidates, bank pressure 65 (Franklin, NY); 12917 1 listings, 1 candidates, bank pressure 71; 12969 1 listings, 1 candidates, bank pressure 71; 12980 1 listings, 1 candidates, bank pressure 65; 12913 0 listings, 0 candidates, bank pressure 73. Franklin, NY totals: 14 listings; Franklin, NY candidates 8; active ZIPs 0.
HUD assisted housing in Franklin, NY
3 assisted properties with 158 units sit in Franklin, NY; largest Franklin, NY properties: Indian Trails Apts. (Malone) 128 units; Valley Ridge Manor (Malone) 20 units, 20 assisted; St. Regis Falls Riverfront Apts (Saint Regis Falls) 10 units, 10 assisted in Franklin, NY.
Lenders with branches in Franklin, NY
Franklin, NY lenders by branch count: Community Bank National Assn (Franklin, NY): stress 68, 6 branches low in Franklin, NY; North Country Savings Bank (Franklin, NY): stress 52, 3 branches low in Franklin, NY; Adirondack Bank (Franklin, NY): stress 100, 2 branches low in Franklin, NY; Champlain National Bank (Franklin, NY): stress 81, 1 branch low in Franklin, NY; Nbt Bank National Assn (Franklin, NY): stress 61, 1 branch low in Franklin, NY.
Vacancy and permits, Franklin, NY
5,980 of 25,494 Franklin, NY housing units are vacant; Franklin, NY permits, twelve months: 0 multifamily units in Franklin, NY, 109 one-to-four unit units.
Work Franklin, NY at the parcel level
Every Franklin, NY parcel carries owner and address; every Franklin, NY parcel carries APN; Franklin, NY distress scores sit on the Franklin, NY live board.
Franklin, NY figures refresh with each source.
Franklin, NY questions
Most distressed ZIP code in Franklin County, NY?
ZIP 12967 leads Franklin, NY at 30/100; next in Franklin, NY: 12986 at 25/100; the Franklin, NY average is 23/100.
Where does Franklin County, NY rank for investment opportunity?
Franklin, NY is #1,089 among all ranked counties, #16 in New York; the Franklin, NY driver is vacancy; Franklin, NY moved down 178 places.
How many mortgages are delinquent in Franklin County, NY?
Franklin, NY takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Franklin, NY.
Which banks lend in Franklin County, NY?
5 watched lenders hold Franklin, NY branches; the largest Franklin, NY footprints are Community Bank National Assn (6), North Country Savings Bank (3), Adirondack Bank (2).
More on Franklin, NY
Franklin County, NY distress report: public-record figures for Franklin, NY; not legal advice for Franklin, NY; not tax or investment advice; verify every Franklin, NY record before acting.