Fulton County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Fulton County, NY distress report, 2026: 14 ZIPs scored in Fulton, NY, Fulton, NY average 21/100; the top Fulton, NY ZIP is 12095 at 22/100; Fulton, NY market phase peak, Fulton, NY prices +4.9% year over year.
- Fulton, NY ranks #217 nationally (opportunity index); Fulton, NY #2 in New York; Fulton, NY index 35.7.
- Fulton, NY: no CFPB county sample; Fulton, NY non-metro area reading 0.8%.
- Fulton, NY ZIP phases: 8 expansion, 6 peak.
- Fulton, NY residential listings tracked: 26 across 7 ZIPs; Fulton, NY candidate listings 8.
- Fulton, NY HUD assisted properties: 1 with 7 units.
- Fulton, NY lenders on watch: 2; largest Fulton, NY footprint Nbt Bank National Assn (5 branches).
- Fulton, NY most distressed ZIP: 12095 at 22/100.
Fulton, NY figures: DLRadar distress index; Fulton, NY inputs: CFPB, FHFA, HUD, FDIC; Fulton, NY rebuilt as sources refresh.
| Rank | Fulton, NY ZIP | Score |
|---|---|---|
| 1 | 12095 | 22/100 |
| 2 | 13452 | 22/100 |
| 3 | 12010 | 21/100 |
| 4 | 12025 | 21/100 |
| 5 | 12070 | 21/100 |
| 6 | 12078 | 21/100 |
| 7 | 12086 | 21/100 |
| 8 | 12117 | 21/100 |
| 9 | 13329 | 21/100 |
| 10 | 13339 | 21/100 |
| 11 | 13470 | 21/100 |
| 12 | 12068 | 20/100 |
Most distressed Fulton, NY ZIPs (0-100, 2026)
Mortgage delinquency around Fulton, NY
No CFPB county sample covers Fulton, NY; the non-metro area reading for Fulton, NY: 0.8% ninety-plus; Fulton, NY area thirty-to-eighty-nine 3.0% (December 2025, Fulton, NY); New York overall 1.0%.
Opportunity index: Fulton, NY
Fulton, NY index 35.7, Fulton, NY phase peak_opportunity; Fulton, NY primary driver construction, Fulton, NY second driver vacancy. Fulton, NY components: property stress 18.0, foreclosure pressure 17.4, listing discounts 46.3, bank stress 60.7, insurance 0.0; Fulton, NY pulse 39.5; Fulton, NY capital opportunity 30.0; Fulton, NY seven-day change +0.2%.
ZIP market phases inside Fulton, NY
14 Fulton, NY ZIPs carry a price-cycle phase; Fulton, NY ZIPs by phase (Fulton, NY), deepest drawdown first: expansion, +5.2% YoY (Fulton, NY): 12010; expansion, +5.5% YoY (Fulton, NY): 12025, 12032; peak, +4.9% YoY (Fulton, NY): 12068, 12070, 12078, 12095, Fulton, NY 12117, 13452; expansion, +5.9% YoY (Fulton, NY): 12086; expansion, +6.0% YoY (Fulton, NY): 12134; expansion, +6.2% YoY (Fulton, NY): 13329; expansion, +5.8% YoY (Fulton, NY): 13339; expansion, +6.3% YoY (Fulton, NY): 13470.
Residential listings by Fulton, NY ZIP
Fulton, NY ZIPs with the most tracked Fulton, NY residential listings: 12078 11 listings, 2 candidates, bank pressure 65; 12095 4 listings, 1 candidates, bank pressure 66; 12117 4 listings, 3 candidates, bank pressure 65; 12025 2 listings, 0 candidates, bank pressure 67 (Fulton, NY); 13329 2 listings, 1 candidates, bank pressure 66; 13470 2 listings, 0 candidates, bank pressure 66; 13452 1 listings, 1 candidates, bank pressure 66. Fulton, NY totals: 26 listings; Fulton, NY candidates 8; active ZIPs 0.
HUD assisted housing in Fulton, NY
1 assisted properties with 7 units sit in Fulton, NY; largest Fulton, NY properties: Fulton Arc (Johnstown) 7 units, 6 assisted.
Lenders with branches in Fulton, NY
Fulton, NY lenders by branch count: Nbt Bank National Assn (Fulton, NY): stress 61, 5 branches low in Fulton, NY; Community Bank National Assn (Fulton, NY): stress 68, 1 branch low in Fulton, NY.
Vacancy and permits, Fulton, NY
5,333 of 28,199 Fulton, NY housing units are vacant; Fulton, NY permits, twelve months: 0 multifamily units in Fulton, NY, 65 one-to-four unit units.
Work Fulton, NY at the parcel level
Every Fulton, NY parcel carries owner and address; every Fulton, NY parcel carries APN; Fulton, NY distress scores sit on the Fulton, NY live board.
Fulton, NY figures refresh with each source.
Fulton, NY questions
Most distressed ZIP code in Fulton County, NY?
ZIP 12095 leads Fulton, NY at 22/100; next in Fulton, NY: 13452 at 22/100; the Fulton, NY average is 21/100.
Where does Fulton County, NY rank for investment opportunity?
Fulton, NY is #217 among all ranked counties, #2 in New York; the Fulton, NY driver is construction; Fulton, NY moved up 109 places.
How many mortgages are delinquent in Fulton County, NY?
Fulton, NY takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Fulton, NY.
Which banks lend in Fulton County, NY?
2 watched lenders hold Fulton, NY branches; the largest Fulton, NY footprints are Nbt Bank National Assn (5), Community Bank National Assn (1).
More on Fulton, NY
Fulton County, NY distress report: public-record figures for Fulton, NY; not legal advice for Fulton, NY; not tax or investment advice; verify every Fulton, NY record before acting.