Hamilton County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Hamilton County, NY distress report, 2026: 14 ZIPs scored in Hamilton, NY, Hamilton, NY average 15/100; the top Hamilton, NY ZIP is 13331 at 19/100; Hamilton, NY market phase expansion, Hamilton, NY prices +6.0% year over year.
- Hamilton, NY ranks #696 nationally (opportunity index); Hamilton, NY #8 in New York; Hamilton, NY index 32.4.
- Hamilton, NY: no CFPB county sample; Hamilton, NY non-metro area reading 0.8%.
- Hamilton, NY ZIP phases: 14 expansion.
- Hamilton, NY residential listings tracked: 0 across 13 ZIPs; Hamilton, NY candidate listings 0.
- Hamilton, NY lenders on watch: 2; largest Hamilton, NY footprint Community Bank National Assn (2 branches).
- Hamilton, NY most distressed ZIP: 13331 at 19/100.
Hamilton, NY figures: DLRadar distress index; Hamilton, NY inputs: CFPB, FHFA, HUD, FDIC; Hamilton, NY rebuilt as sources refresh.
| Rank | Hamilton, NY ZIP | Score |
|---|---|---|
| 1 | 13331 | 19/100 |
| 2 | 12032 | 18/100 |
| 3 | 12134 | 18/100 |
| 4 | 12847 | 16/100 |
| 5 | 12108 | 14/100 |
| 6 | 12139 | 14/100 |
| 7 | 12164 | 14/100 |
| 8 | 12190 | 14/100 |
| 9 | 12812 | 14/100 |
| 10 | 12842 | 14/100 |
| 11 | 12864 | 14/100 |
| 12 | 13353 | 14/100 |
Most distressed Hamilton, NY ZIPs (0-100, 2026)
Mortgage delinquency around Hamilton, NY
No CFPB county sample covers Hamilton, NY; the non-metro area reading for Hamilton, NY: 0.8% ninety-plus; Hamilton, NY area thirty-to-eighty-nine 3.0% (December 2025, Hamilton, NY); New York overall 1.0%.
Opportunity index: Hamilton, NY
Hamilton, NY index 32.4, Hamilton, NY phase early_signal; Hamilton, NY primary driver vacancy, Hamilton, NY second driver bank institutional. Hamilton, NY components: property stress 23.6, foreclosure pressure 22.9, bank stress 58.8, insurance 0.0; Hamilton, NY pulse 38.6; Hamilton, NY capital opportunity 23.0; Hamilton, NY seven-day change -0.1%.
ZIP market phases inside Hamilton, NY
14 Hamilton, NY ZIPs carry a price-cycle phase; Hamilton, NY ZIPs by phase (Hamilton, NY), deepest drawdown first: expansion, +5.5% YoY (Hamilton, NY): 12032; expansion, +6.0% YoY (Hamilton, NY): 12108, 12134, 12139, 12164, Hamilton, NY 12190, 12812, 12842, 12864, Hamilton, NY 13353, 13360, 13436; expansion, +5.9% YoY (Hamilton, NY): 12847; expansion, +9.6% YoY (Hamilton, NY): 13331.
Residential listings by Hamilton, NY ZIP
Hamilton, NY ZIPs with the most tracked Hamilton, NY residential listings: 12032 0 listings, 0 candidates, bank pressure 65; 12108 0 listings, 0 candidates, bank pressure 65; 12134 0 listings, 0 candidates, bank pressure 67; 12139 0 listings, 0 candidates, bank pressure 65 (Hamilton, NY); 12164 0 listings, 0 candidates, bank pressure 65; 12190 0 listings, 0 candidates, bank pressure 65; 12812 0 listings, 0 candidates, bank pressure 65; 12842 0 listings, 0 candidates, bank pressure 65. Hamilton, NY totals: 0 listings; Hamilton, NY candidates 0; active ZIPs 0.
Lenders with branches in Hamilton, NY
Hamilton, NY lenders by branch count: Community Bank National Assn (Hamilton, NY): stress 68, 2 branches low in Hamilton, NY; Nbt Bank National Assn (Hamilton, NY): stress 61, 1 branch low in Hamilton, NY.
Vacancy and permits, Hamilton, NY
5,488 of 7,911 Hamilton, NY housing units are vacant; Hamilton, NY permits, twelve months: 0 multifamily units in Hamilton, NY, 47 one-to-four unit units.
Work Hamilton, NY at the parcel level
Every Hamilton, NY parcel carries owner and address; every Hamilton, NY parcel carries APN; Hamilton, NY distress scores sit on the Hamilton, NY live board.
Hamilton, NY figures refresh with each source.
Hamilton, NY questions
Most distressed ZIP code in Hamilton County, NY?
ZIP 13331 leads Hamilton, NY at 19/100; next in Hamilton, NY: 12032 at 18/100; the Hamilton, NY average is 15/100.
Where does Hamilton County, NY rank for investment opportunity?
Hamilton, NY is #696 among all ranked counties, #8 in New York; the Hamilton, NY driver is vacancy; Hamilton, NY moved down 219 places.
How many mortgages are delinquent in Hamilton County, NY?
Hamilton, NY takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Hamilton, NY.
Which banks lend in Hamilton County, NY?
2 watched lenders hold Hamilton, NY branches; the largest Hamilton, NY footprints are Community Bank National Assn (2), Nbt Bank National Assn (1).
More on Hamilton, NY
Hamilton County, NY distress report: public-record figures for Hamilton, NY; not legal advice for Hamilton, NY; not tax or investment advice; verify every Hamilton, NY record before acting.