Hamilton County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Hamilton County, New York? DLRadar grades every Hamilton County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 20/100. Here is the 2026 Hamilton County breakdown.
- Hamilton County's most distressed ZIP is 13331 at 20/100.
- 14 ZIP codes tracked in Hamilton County, averaging 16/100 distress.
- Hamilton County reads expansion — home values up 6.0% year over year.
- Vacancy runs 76.7% across Hamilton County's tracked ZIPs, with a 7.6% poverty rate.
- The typical Hamilton County home is worth about $270,369 against a ~$71,478 median income.
- Lending headwind in Hamilton County sits at 62/100 — 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 | 13331 | 20/100 |
| 2 | 12032 | 19/100 |
| 3 | 12134 | 18/100 |
| 4 | 12847 | 17/100 |
| 5 | 12108 | 15/100 |
| 6 | 12139 | 15/100 |
| 7 | 12164 | 15/100 |
| 8 | 12190 | 15/100 |
| 9 | 12812 | 15/100 |
| 10 | 12842 | 15/100 |
| 11 | 12864 | 15/100 |
| 12 | 13353 | 15/100 |
Most distressed ZIP codes in Hamilton County (composite distress 0-100, 2026)
What is driving Hamilton County distress
Hamilton County's placement in the national index rests on public filings — a 16/100 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.
Hamilton County market phase and pricing
The cycle in Hamilton County is expansion, with values up 6.0% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Hamilton County
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Frequently asked
Where is distress highest inside Hamilton County, NY?
ZIP 13331 leads Hamilton County at 20/100, recomputed monthly from public records.
Is Hamilton County expanding or contracting?
Hamilton County is classified expansion with a 6.0% year-over-year increase, following the FHFA House Price Index.
Can the Hamilton County figures be verified?
Each Hamilton County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 14 local ZIPs and every other county in the country.
How much do distress scores vary between Hamilton County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Hamilton County ZIPs DLRadar ranks, scores run from 20/100 in 13331 down to 15/100 in 13353, against a Hamilton County average of 16/100. The 5-point range is the argument for ZIP-level search across Hamilton County.
What do Hamilton County home values and vacancy say about distressed supply?
The typical Hamilton County home carries about $270,369 of value against a median household income near $71,478. Vacancy across Hamilton County's tracked ZIPs runs 76.7% and the poverty rate is 7.6%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Hamilton County's foreclosure and tax-lien filings and its 62/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.