Herkimer County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Herkimer County, NY distress report, 2026: 29 ZIPs scored in Herkimer, NY, Herkimer, NY average 20/100; the top Herkimer, NY ZIP is 13304 at 22/100; Herkimer, NY market phase expansion, Herkimer, NY prices +9.6% year over year.
- Herkimer, NY ranks #696 nationally (opportunity index); Herkimer, NY #8 in New York; Herkimer, NY index 32.4.
- Herkimer, NY: no CFPB county sample; Herkimer, NY metro area reading 1.7%.
- Herkimer, NY ZIP phases: 29 expansion.
- Herkimer, NY residential listings tracked: 32 across 17 ZIPs; Herkimer, NY candidate listings 21.
- Herkimer, NY HUD assisted properties: 3 with 123 units.
- Herkimer, NY lenders on watch: 4; largest Herkimer, NY footprint Adirondack Bank (5 branches).
- Herkimer, NY most distressed ZIP: 13304 at 22/100.
Herkimer, NY figures: DLRadar distress index; Herkimer, NY inputs: CFPB, FHFA, HUD, FDIC; Herkimer, NY rebuilt as sources refresh.
| Rank | Herkimer, NY ZIP | Score |
|---|---|---|
| 1 | 13304 | 22/100 |
| 2 | 13413 | 22/100 |
| 3 | 13456 | 22/100 |
| 4 | 13501 | 22/100 |
| 5 | 13329 | 21/100 |
| 6 | 13339 | 21/100 |
| 7 | 13438 | 21/100 |
| 8 | 13470 | 21/100 |
| 9 | 13502 | 21/100 |
| 10 | 13322 | 20/100 |
| 11 | 13324 | 19/100 |
| 12 | 13331 | 19/100 |
Most distressed Herkimer, NY ZIPs (0-100, 2026)
Mortgage delinquency around Herkimer, NY
No CFPB county sample covers Herkimer, NY; the metro area reading for Herkimer, NY (Utica-Rome, NY): 1.7% ninety-plus; Herkimer, NY area thirty-to-eighty-nine 2.5% (December 2025, Herkimer, NY); New York overall 1.0%.
Opportunity index: Herkimer, NY
Herkimer, NY index 32.4, Herkimer, NY phase watchlist; Herkimer, NY primary driver vacancy, Herkimer, NY second driver bank institutional. Herkimer, NY components: property stress 22.5, foreclosure pressure 17.5, listing discounts 37.0, bank stress 62.4, insurance 0.0; Herkimer, NY pulse 36.1; Herkimer, NY capital opportunity 26.8.
ZIP market phases inside Herkimer, NY
29 Herkimer, NY ZIPs carry a price-cycle phase; Herkimer, NY ZIPs by phase (Herkimer, NY), deepest drawdown first: expansion, +9.6% YoY (Herkimer, NY): 13304, 13322, 13324, 13331, Herkimer, NY 13338, 13340, 13350, 13357, Herkimer, NY 13365, 13406, 13407, 13413; expansion, +6.2% YoY (Herkimer, NY): 13329; expansion, +5.8% YoY (Herkimer, NY): 13339; expansion, +8.5% YoY (Herkimer, NY): 13361; expansion, +7.3% YoY (Herkimer, NY): 13367.
Residential listings by Herkimer, NY ZIP
Herkimer, NY ZIPs with the most tracked Herkimer, NY residential listings: 13338 10 listings, 2 candidates, bank pressure 62; 13350 5 listings, 5 candidates, bank pressure 67; 13322 4 listings, 2 candidates, bank pressure 62; 13365 4 listings, 4 candidates, bank pressure 67 (Herkimer, NY); 13324 3 listings, 2 candidates, bank pressure 67; 13340 3 listings, 3 candidates, bank pressure 67; 13357 2 listings, 2 candidates, bank pressure 67; 13431 1 listings, 1 candidates, bank pressure 62. Herkimer, NY totals: 32 listings; Herkimer, NY candidates 21; active ZIPs 0.
HUD assisted housing in Herkimer, NY
3 assisted properties with 123 units sit in Herkimer, NY; largest Herkimer, NY properties: John Guy Prindle Apartments (Ilion) 111 units, 111 assisted; Brook Street Group Home (Illion) 6 units, 6 assisted; Herkimer County Residential Arc (Ilion) 6 units, 6 assisted in Herkimer, NY.
Lenders with branches in Herkimer, NY
Herkimer, NY lenders by branch count: Adirondack Bank (Herkimer, NY): stress 100, 5 branches low in Herkimer, NY; Manufacturers&Traders Tr Co (Herkimer, NY): stress 52, 4 branches low in Herkimer, NY; Community Bank National Assn (Herkimer, NY): stress 68, 1 branch low in Herkimer, NY; Nbt Bank National Assn (Herkimer, NY): stress 61, 1 branch moderate in Herkimer, NY.
Vacancy and permits, Herkimer, NY
6,718 of 32,459 Herkimer, NY housing units are vacant; Herkimer, NY permits, twelve months: 0 multifamily units in Herkimer, NY, 41 one-to-four unit units.
Work Herkimer, NY at the parcel level
Every Herkimer, NY parcel carries owner and address; every Herkimer, NY parcel carries APN; Herkimer, NY distress scores sit on the Herkimer, NY live board.
Herkimer, NY figures refresh with each source.
Herkimer, NY questions
Most distressed ZIP code in Herkimer County, NY?
ZIP 13304 leads Herkimer, NY at 22/100; next in Herkimer, NY: 13413 at 22/100; the Herkimer, NY average is 20/100.
Where does Herkimer County, NY rank for investment opportunity?
Herkimer, NY is #696 among all ranked counties, #8 in New York; the Herkimer, NY driver is vacancy; Herkimer, NY moved up 155 places.
How many mortgages are delinquent in Herkimer County, NY?
Herkimer, NY takes the metro area reading of 1.7% for December 2025; no CFPB county sample covers Herkimer, NY.
Which banks lend in Herkimer County, NY?
4 watched lenders hold Herkimer, NY branches; the largest Herkimer, NY footprints are Adirondack Bank (5), Manufacturers&Traders Tr Co (4), Community Bank National Assn (1).
More on Herkimer, NY
Herkimer County, NY distress report: public-record figures for Herkimer, NY; not legal advice for Herkimer, NY; not tax or investment advice; verify every Herkimer, NY record before acting.