Jefferson County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Jefferson County, New York? DLRadar grades every Jefferson County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 33/100. Here is the 2026 Jefferson County breakdown.
- Jefferson County's most distressed ZIP is 13646 at 33/100.
- 43 ZIP codes tracked in Jefferson County, averaging 22/100 distress.
- Jefferson County reads expansion — home values up 11.4% year over year.
- Vacancy runs 33.6% across Jefferson County's tracked ZIPs, with a 13.9% poverty rate.
- The typical Jefferson County home is worth about $202,603 against a ~$65,367 median income.
- Lending headwind in Jefferson County sits at 8/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 13646 | 33/100 |
| 2 | 13642 | 32/100 |
| 3 | 13083 | 27/100 |
| 4 | 13679 | 24/100 |
| 5 | 13608 | 22/100 |
| 6 | 13601 | 21/100 |
| 7 | 13602 | 21/100 |
| 8 | 13603 | 21/100 |
| 9 | 13605 | 21/100 |
| 10 | 13606 | 21/100 |
| 11 | 13607 | 21/100 |
| 12 | 13611 | 21/100 |
Most distressed ZIP codes in Jefferson County (composite distress 0-100, 2026)
What is driving Jefferson County distress
Nothing here is estimated: Jefferson County is scored from filings alone, and its ZIPs average 22/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Jefferson County market phase and pricing
Phase for Jefferson County: expansion (+11.4% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Jefferson County
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What people ask
Which ZIP code leads Jefferson County on distress?
ZIP 13646 leads Jefferson County at 33/100, recomputed monthly from public records.
What market phase is Jefferson County in?
FHFA price-index movement places Jefferson County in expansion; prices are up 11.4% over twelve months.
Where does the Jefferson County data come from?
Each Jefferson 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 43 local ZIPs and every other county in the country.
How much do distress scores vary between Jefferson County ZIP codes?
One county number flattens a wide range. Across the Jefferson County ZIPs DLRadar ranks, scores run from 33/100 in 13646 down to 21/100 in 13611, against a Jefferson County average of 22/100. The 12-point range is the argument for ZIP-level search across Jefferson County.
What do Jefferson County home values and vacancy say about distressed supply?
The typical Jefferson County home carries about $202,603 of value against a median household income near $65,367. Vacancy across Jefferson County's tracked ZIPs runs 33.6% and the poverty rate is 13.9%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Jefferson County's foreclosure and tax-lien filings and its 8/100 lending headwind.
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Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.