Madison County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Madison County, New York? DLRadar grades every Madison County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Madison County breakdown.
- Madison County's most distressed ZIP is 13460 at 30/100.
- 31 ZIP codes tracked in Madison County, averaging 21/100 distress.
- Madison County reads expansion — home values up 5.8% year over year.
- Vacancy runs 19.3% across Madison County's tracked ZIPs, with a 11.9% poverty rate.
- The typical Madison County home is worth about $174,487 against a ~$82,602 median income.
- Lending headwind in Madison County sits at 57/100 — 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 | 13460 | 30/100 |
| 2 | 13464 | 30/100 |
| 3 | 13072 | 23/100 |
| 4 | 13332 | 23/100 |
| 5 | 13480 | 23/100 |
| 6 | 13402 | 22/100 |
| 7 | 13409 | 22/100 |
| 8 | 13421 | 22/100 |
| 9 | 13425 | 22/100 |
| 10 | 13485 | 22/100 |
| 11 | 13032 | 21/100 |
| 12 | 13061 | 21/100 |
Most distressed ZIP codes in Madison County (composite distress 0-100, 2026)
What is driving Madison County distress
DLRadar builds Madison County's distress picture only from records anyone can pull; its ZIPs average 21/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Madison County market phase and pricing
DLRadar places Madison County in expansion; prices moved up 5.8% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Madison County
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Frequently asked questions
Where is distress highest inside Madison County, NY?
ZIP 13460 leads Madison County at 30/100, recomputed monthly from public records.
Is Madison County expanding or contracting?
FHFA price-index movement places Madison County in expansion; prices are up 5.8% over twelve months.
Which datasets feed the Madison County scores?
The inputs are all public: FHFA for the expansion path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 31 ZIP codes in Madison County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Madison County ZIP codes?
Averaging the county conceals how uneven it is. Across the Madison County ZIPs DLRadar ranks, scores run from 30/100 in 13460 down to 21/100 in 13061, against a Madison County average of 21/100. With 9 points between best and worst, county-level targeting in Madison County wastes effort.
What do Madison County home values and vacancy say about distressed supply?
The typical Madison County home carries about $174,487 of value against a median household income near $82,602. Vacancy across Madison County's tracked ZIPs runs 19.3% and the poverty rate is 11.9%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Madison County's foreclosure and lien data and its 57/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.