Franklin County, PA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Franklin County, PA distress report, 2026: 31 ZIPs scored in Franklin, PA, Franklin, PA average 23/100; the top Franklin, PA ZIP is 17201 at 23/100; Franklin, PA market phase peak, Franklin, PA prices +3.4% year over year.
- Franklin, PA ranks #2,419 nationally (opportunity index); Franklin, PA #49 in Pennsylvania; Franklin, PA index 26.2.
- Franklin, PA ninety-day mortgage delinquency 1.6% in December 2025; Franklin, PA twelve-month change +0.1%.
- Franklin, PA ZIP phases: 31 peak.
- Franklin, PA residential listings tracked: 57 across 28 ZIPs; Franklin, PA candidate listings 23.
- Franklin, PA HUD assisted properties: 4 with 236 units.
- Franklin, PA lenders on watch: 5; largest Franklin, PA footprint Farmers&Merchants Tr Chamber (12 branches).
- Franklin, PA most distressed ZIP: 17201 at 23/100.
Franklin, PA figures: DLRadar distress index; Franklin, PA inputs: CFPB, FHFA, HUD, FDIC; Franklin, PA rebuilt as sources refresh.
| Rank | Franklin, PA ZIP | Score |
|---|---|---|
| 1 | 17201 | 23/100 |
| 2 | 17202 | 23/100 |
| 3 | 17210 | 23/100 |
| 4 | 17214 | 23/100 |
| 5 | 17217 | 23/100 |
| 6 | 17219 | 23/100 |
| 7 | 17220 | 23/100 |
| 8 | 17221 | 23/100 |
| 9 | 17225 | 23/100 |
| 10 | 17232 | 23/100 |
| 11 | 17235 | 23/100 |
| 12 | 17237 | 23/100 |
Most distressed Franklin, PA ZIPs (0-100, 2026)
Mortgage delinquency in Franklin, PA
1.6% of Franklin, PA mortgages were ninety-plus days late (Franklin, PA, December 2025); Franklin, PA thirty-to-eighty-nine days late: 2.7%; Franklin, PA twelve-month change +0.1%; Franklin, PA peak since 2008: 3.5% (February 2010); Pennsylvania overall 1.0%. Franklin, PA ninety-day series: Dec 24 1.5, Jan 25 1.3, Feb 25 1.0 (Franklin, PA), Mar 25 1.1, Apr 25 0.9, May 25 0.8 (Franklin, PA), Jun 25 0.6, Jul 25 0.9, Aug 25 1.3 (Franklin, PA), Sep 25 1.4, Oct 25 1.2, Nov 25 1.1 (Franklin, PA), Dec 25 1.6.
Opportunity index: Franklin, PA
Franklin, PA index 26.2, Franklin, PA phase weak; Franklin, PA primary driver construction, Franklin, PA second driver bank institutional. Franklin, PA components: property stress 7.1, foreclosure pressure 5.5, listing discounts 34.6, bank stress 56.9, insurance 0.0; Franklin, PA pulse 27.8; Franklin, PA capital opportunity 23.9.
ZIP market phases inside Franklin, PA
31 Franklin, PA ZIPs carry a price-cycle phase; Franklin, PA ZIPs by phase (Franklin, PA), deepest drawdown first: peak, +3.5% YoY, 0.2% off peak (Franklin, PA): 17222; peak, +3.4% YoY, 0.0% off peak (Franklin, PA): 17201, 17202, 17210, 17214, Franklin, PA 17217, 17219, 17220, 17221, Franklin, PA 17225, 17232, 17235, 17237, Franklin, PA 17244, 17246, 17247.
Residential listings by Franklin, PA ZIP
Franklin, PA ZIPs with the most tracked Franklin, PA residential listings: 17268 17 listings, 10 candidates, bank pressure 65; 17202 15 listings, 1 candidates, bank pressure 65; 17201 10 listings, 5 candidates, bank pressure 65; 17225 5 listings, 2 candidates, bank pressure 65 (Franklin, PA); 17222 4 listings, 1 candidates, bank pressure 62; 17224 2 listings, 2 candidates, bank pressure 67; 17244 2 listings, 2 candidates, bank pressure 65; 17236 1 listings, 0 candidates, bank pressure 67. Franklin, PA totals: 57 listings; Franklin, PA candidates 23; active ZIPs 9.
HUD assisted housing in Franklin, PA
4 assisted properties with 236 units sit in Franklin, PA; largest Franklin, PA properties: Highlands Of Greenvillage (Chambersburg) 111 units; Avalon Townhomes (Waynesboro) 83 units; Luther Ridge Manor (Chambersburg) 28 units, 28 assisted in Franklin, PA; Franklin Residences (Chambersburg) 14 units, 14 assisted.
Lenders with branches in Franklin, PA
Franklin, PA lenders by branch count: Farmers&Merchants Tr Chamber (Franklin, PA): stress 71, 12 branches low in Franklin, PA; Orrstown Bank (Franklin, PA): stress 53, 5 branches low in Franklin, PA; Community Stb Of Orbisonia (Franklin, PA): stress 79, 1 branch low in Franklin, PA; Juniata Valley Bank (Franklin, PA): stress 78, 1 branch low in Franklin, PA; Acnb Bank (Franklin, PA): stress 46, 1 branch low in Franklin, PA.
Vacancy and permits, Franklin, PA
3,647 of 67,157 Franklin, PA housing units are vacant; Franklin, PA permits, twelve months: 307 multifamily units in Franklin, PA, 493 one-to-four unit units.
Work Franklin, PA at the parcel level
Every Franklin, PA parcel carries owner and address; every Franklin, PA parcel carries APN; Franklin, PA distress scores sit on the Franklin, PA live board.
Franklin, PA figures refresh with each source.
Franklin, PA questions
Most distressed ZIP code in Franklin County, PA?
ZIP 17201 leads Franklin, PA at 23/100; next in Franklin, PA: 17202 at 23/100; the Franklin, PA average is 23/100.
Where does Franklin County, PA rank for investment opportunity?
Franklin, PA is #2,419 among all ranked counties, #49 in Pennsylvania; the Franklin, PA driver is construction; Franklin, PA moved up 314 places.
How many mortgages are delinquent in Franklin County, PA?
1.6% of Franklin, PA mortgages were ninety-plus days late in December 2025; the Franklin, PA peak since 2008 was 3.5%.
Which banks lend in Franklin County, PA?
5 watched lenders hold Franklin, PA branches; the largest Franklin, PA footprints are Farmers&Merchants Tr Chamber (12), Orrstown Bank (5), Community Stb Of Orbisonia (1).
More on Franklin, PA
Franklin County, PA distress report: public-record figures for Franklin, PA; not legal advice for Franklin, PA; not tax or investment advice; verify every Franklin, PA record before acting.