Fulton County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Fulton County, New York? DLRadar grades every Fulton County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Fulton County breakdown.
- Fulton County's most distressed ZIP is 12078 at 22/100.
- 14 ZIP codes tracked in Fulton County, averaging 21/100 distress.
- Fulton County reads peak — home values up 4.9% year over year.
- Vacancy runs 24.9% across Fulton County's tracked ZIPs, with a 14% poverty rate.
- The typical Fulton County home is worth about $171,671 against a ~$62,470 median income.
- Lending headwind in Fulton County sits at 53/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 12078 | 22/100 |
| 2 | 12095 | 22/100 |
| 3 | 12117 | 22/100 |
| 4 | 13329 | 22/100 |
| 5 | 13452 | 22/100 |
| 6 | 13470 | 22/100 |
| 7 | 12010 | 21/100 |
| 8 | 12070 | 21/100 |
| 9 | 12086 | 21/100 |
| 10 | 13339 | 21/100 |
| 11 | 12025 | 20/100 |
| 12 | 12068 | 20/100 |
Most distressed ZIP codes in Fulton County (composite distress 0-100, 2026)
What is driving Fulton County distress
Nothing here is estimated: Fulton County is scored from filings alone, and its ZIPs average 21/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Fulton County market phase and pricing
Fulton County reads peak — home prices rose 4.9% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Fulton County
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Questions about this county
What is the most distressed ZIP code in Fulton County, NY?
ZIP 12078 leads Fulton County at 22/100, recomputed monthly from public records.
Which phase does Fulton County sit in right now?
Fulton County reads peak, with home prices up 4.9% year over year. Phase comes from FHFA House Price Index trajectory.
Where does the Fulton County data come from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 14 Fulton County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Fulton County ZIP codes?
The county figure is a blend, not a description. Across the Fulton County ZIPs DLRadar ranks, scores run from 22/100 in 12078 down to 20/100 in 12068, against a Fulton County average of 21/100. With 2 points between best and worst, county-level targeting in Fulton County wastes effort.
What do Fulton County home values and vacancy say about distressed supply?
The typical Fulton County home carries about $171,671 of value against a median household income near $62,470. Vacancy across Fulton County's tracked ZIPs runs 24.9% and the poverty rate is 14%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Fulton County's filings and its 53/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.