Herkimer County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Herkimer County, New York? DLRadar grades every Herkimer County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Herkimer County breakdown.
- Herkimer County's most distressed ZIP is 13501 at 23/100.
- 29 ZIP codes tracked in Herkimer County, averaging 20/100 distress.
- Herkimer County reads expansion — home values up 9.6% year over year.
- Vacancy runs 25.6% across Herkimer County's tracked ZIPs, with a 11.6% poverty rate.
- The typical Herkimer County home is worth about $195,548 against a ~$65,373 median income.
- Lending headwind in Herkimer County sits at 41/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 13501 | 23/100 |
| 2 | 13304 | 22/100 |
| 3 | 13329 | 22/100 |
| 4 | 13413 | 22/100 |
| 5 | 13438 | 22/100 |
| 6 | 13456 | 22/100 |
| 7 | 13470 | 22/100 |
| 8 | 13502 | 22/100 |
| 9 | 13322 | 21/100 |
| 10 | 13339 | 21/100 |
| 11 | 13324 | 20/100 |
| 12 | 13331 | 20/100 |
Most distressed ZIP codes in Herkimer County (composite distress 0-100, 2026)
What is driving Herkimer County distress
Herkimer County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 20/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Herkimer County market phase and pricing
Herkimer County reads expansion — home prices rose 9.6% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Questions about this county
Which part of Herkimer County, NY scores highest for distress?
ZIP 13501 leads Herkimer County at 23/100, recomputed monthly from public records.
Which phase does Herkimer County sit in right now?
Herkimer County currently sits in expansion, with values up 9.6% year on year, based on FHFA price-index trajectory.
Where does the Herkimer County data come from?
Each Herkimer 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 29 local ZIPs and every other county in the country.
How much do distress scores vary between Herkimer County ZIP codes?
A single county score papers over real variation. Across the Herkimer County ZIPs DLRadar ranks, scores run from 23/100 in 13501 down to 20/100 in 13331, against a Herkimer County average of 20/100. A spread of 3 points means Herkimer County has to be worked ZIP by ZIP.
What do Herkimer County home values and vacancy say about distressed supply?
The typical Herkimer County home carries about $195,548 of value against a median household income near $65,373. Vacancy across Herkimer County's tracked ZIPs runs 25.6% and the poverty rate is 11.6%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Herkimer County's foreclosure and tax-lien filings and its 41/100 lending headwind.
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Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.