Jefferson County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Jefferson County, NY distress report, 2026: 43 ZIPs scored in Jefferson, NY, Jefferson, NY average 21/100; the top Jefferson, NY ZIP is 13646 at 31/100; Jefferson, NY market phase expansion, Jefferson, NY prices +11.4% year over year.
- Jefferson, NY ranks #1,296 nationally (opportunity index); Jefferson, NY #20 in New York; Jefferson, NY index 30.1.
- Jefferson, NY: no CFPB county sample; Jefferson, NY non-metro area reading 0.8%.
- Jefferson, NY ZIP phases: 42 expansion, 1 peak.
- Jefferson, NY residential listings tracked: 86 across 38 ZIPs; Jefferson, NY candidate listings 59.
- Jefferson, NY HUD assisted properties: 9 with 984 units.
- Jefferson, NY lenders on watch: 7; largest Jefferson, NY footprint Watertown Savings Bank (10 branches).
- Jefferson, NY most distressed ZIP: 13646 at 31/100.
Jefferson, NY figures: DLRadar distress index; Jefferson, NY inputs: CFPB, FHFA, HUD, FDIC; Jefferson, NY rebuilt as sources refresh.
| Rank | Jefferson, NY ZIP | Score |
|---|---|---|
| 1 | 13646 | 31/100 |
| 2 | 13642 | 30/100 |
| 3 | 13083 | 25/100 |
| 4 | 13679 | 24/100 |
| 5 | 13608 | 22/100 |
| 6 | 13661 | 22/100 |
| 7 | 13601 | 21/100 |
| 8 | 13602 | 21/100 |
| 9 | 13603 | 21/100 |
| 10 | 13605 | 21/100 |
| 11 | 13606 | 21/100 |
| 12 | 13607 | 21/100 |
Most distressed Jefferson, NY ZIPs (0-100, 2026)
Mortgage delinquency around Jefferson, NY
No CFPB county sample covers Jefferson, NY; the non-metro area reading for Jefferson, NY: 0.8% ninety-plus; Jefferson, NY area thirty-to-eighty-nine 3.0% (December 2025, Jefferson, NY); New York overall 1.0%.
Opportunity index: Jefferson, NY
Jefferson, NY index 30.1, Jefferson, NY phase early_signal; Jefferson, NY primary driver vacancy, Jefferson, NY second driver bank institutional. Jefferson, NY components: property stress 29.4, foreclosure pressure 22.4, listing discounts 30.0, bank stress 41.3, insurance 0.0; Jefferson, NY pulse 30.4; Jefferson, NY capital opportunity 29.6; Jefferson, NY seven-day change -0.3%.
ZIP market phases inside Jefferson, NY
43 Jefferson, NY ZIPs carry a price-cycle phase; Jefferson, NY ZIPs by phase (Jefferson, NY), deepest drawdown first: expansion, +5.9% YoY (Jefferson, NY): 13083; expansion, +11.1% YoY (Jefferson, NY): 13601; expansion, +11.4% YoY (Jefferson, NY): 13602, 13603, 13605, 13606, Jefferson, NY 13607, 13611, 13612, 13615, Jefferson, NY 13616, 13618, 13622, 13624; expansion, +10.7% YoY (Jefferson, NY): 13608; expansion, +8.9% YoY (Jefferson, NY): 13619.
Residential listings by Jefferson, NY ZIP
Jefferson, NY ZIPs with the most tracked Jefferson, NY residential listings: 13601 32 listings, 22 candidates, bank pressure 53; 13608 9 listings, 6 candidates, bank pressure 56; 13605 7 listings, 7 candidates, bank pressure 49; 13619 6 listings, 4 candidates, bank pressure 53 (Jefferson, NY); 13650 5 listings, 4 candidates, bank pressure 49; 13607 4 listings, 4 candidates, bank pressure 49; 13679 4 listings, 0 candidates, bank pressure 56; 13624 3 listings, 2 candidates, bank pressure 49. Jefferson, NY totals: 86 listings; Jefferson, NY candidates 59; active ZIPs 4.
HUD assisted housing in Jefferson, NY
9 assisted properties with 984 units sit in Jefferson, NY; largest Jefferson, NY properties: Truscott Terrace (Arsenal) (Watertown) 256 units; Mountaineer Estates (Eastern) (Watertown) 222 units; Friends Settlement (Philadelphia) 150 units in Jefferson, NY; Gabriel Court (Watertown) 120 units; Lonsway Hill (Clayton) (Clayton) 99 units; Country View Apartments (Adams) 51 units, 50 assisted.
Lenders with branches in Jefferson, NY
Jefferson, NY lenders by branch count: Watertown Savings Bank (Jefferson, NY): stress 23, 10 branches low in Jefferson, NY; Community Bank National Assn (Jefferson, NY): stress 68, 6 branches low in Jefferson, NY; Gouverneur Savings&Loan Assn (Jefferson, NY): stress 57, 3 branches low in Jefferson, NY; Gs&L Municipal Bank (Jefferson, NY): stress 14, 3 branches low in Jefferson, NY; Carthage S&L Na (Jefferson, NY): stress 53, 2 branches low in Jefferson, NY; Upstate National Bank (Jefferson, NY): stress 90, 1 branch low in Jefferson, NY; Wsb Municipal Bank (Jefferson, NY): stress 24, 1 branch low in Jefferson, NY.
Vacancy and permits, Jefferson, NY
14,256 of 61,862 Jefferson, NY housing units are vacant; Jefferson, NY permits, twelve months: 32 multifamily units in Jefferson, NY, 237 one-to-four unit units.
Work Jefferson, NY at the parcel level
Every Jefferson, NY parcel carries owner and address; every Jefferson, NY parcel carries APN; Jefferson, NY distress scores sit on the Jefferson, NY live board.
Jefferson, NY figures refresh with each source.
Jefferson, NY questions
Most distressed ZIP code in Jefferson County, NY?
ZIP 13646 leads Jefferson, NY at 31/100; next in Jefferson, NY: 13642 at 30/100; the Jefferson, NY average is 21/100.
Where does Jefferson County, NY rank for investment opportunity?
Jefferson, NY is #1,296 among all ranked counties, #20 in New York; the Jefferson, NY driver is vacancy; Jefferson, NY moved up 925 places.
How many mortgages are delinquent in Jefferson County, NY?
Jefferson, NY takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Jefferson, NY.
Which banks lend in Jefferson County, NY?
7 watched lenders hold Jefferson, NY branches; the largest Jefferson, NY footprints are Watertown Savings Bank (10), Community Bank National Assn (6), Gouverneur Savings&Loan Assn (3).
More on Jefferson, NY
Jefferson County, NY distress report: public-record figures for Jefferson, NY; not legal advice for Jefferson, NY; not tax or investment advice; verify every Jefferson, NY record before acting.