Madison County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Madison County, NY distress report, 2026: 31 ZIPs scored in Madison, NY, Madison, NY average 20/100; the top Madison, NY ZIP is 13460 at 29/100; Madison, NY market phase expansion, Madison, NY prices +5.8% year over year.
- Madison, NY ranks #1,555 nationally (opportunity index); Madison, NY #25 in New York; Madison, NY index 29.2.
- Madison, NY: no CFPB county sample; Madison, NY metro area reading 1.2%.
- Madison, NY ZIP phases: 31 expansion.
- Madison, NY residential listings tracked: 38 across 25 ZIPs; Madison, NY candidate listings 18.
- Madison, NY HUD assisted properties: 1 with 101 units.
- Madison, NY lenders on watch: 4; largest Madison, NY footprint Community Bank National Assn (6 branches).
- Madison, NY most distressed ZIP: 13460 at 29/100.
Madison, NY figures: DLRadar distress index; Madison, NY inputs: CFPB, FHFA, HUD, FDIC; Madison, NY rebuilt as sources refresh.
| Rank | Madison, NY ZIP | Score |
|---|---|---|
| 1 | 13460 | 29/100 |
| 2 | 13464 | 29/100 |
| 3 | 13072 | 22/100 |
| 4 | 13332 | 22/100 |
| 5 | 13425 | 22/100 |
| 6 | 13480 | 22/100 |
| 7 | 13032 | 20/100 |
| 8 | 13061 | 20/100 |
| 9 | 13104 | 20/100 |
| 10 | 13134 | 20/100 |
| 11 | 13163 | 20/100 |
| 12 | 13310 | 20/100 |
Most distressed Madison, NY ZIPs (0-100, 2026)
Mortgage delinquency around Madison, NY
No CFPB county sample covers Madison, NY; the metro area reading for Madison, NY (Syracuse, NY): 1.2% ninety-plus; Madison, NY area thirty-to-eighty-nine 2.6% (December 2025, Madison, NY); New York overall 1.0%.
Opportunity index: Madison, NY
Madison, NY index 29.2, Madison, NY phase early_signal; Madison, NY primary driver vacancy, Madison, NY second driver bank institutional. Madison, NY components: property stress 16.4, foreclosure pressure 14.2, listing discounts 34.5, bank stress 57.2, insurance 0.0; Madison, NY pulse 31.5; Madison, NY capital opportunity 25.7; Madison, NY seven-day change +0.1%.
ZIP market phases inside Madison, NY
31 Madison, NY ZIPs carry a price-cycle phase; Madison, NY ZIPs by phase (Madison, NY), deepest drawdown first: expansion, +5.8% YoY (Madison, NY): 13030, 13032, 13035, 13037, Madison, NY 13061, 13082, 13104, 13122, Madison, NY 13134, 13163, 13310, 13314, Madison, NY 13334; expansion, +5.6% YoY (Madison, NY): 13052; expansion, +5.9% YoY (Madison, NY): 13072, 13332.
Residential listings by Madison, NY ZIP
Madison, NY ZIPs with the most tracked Madison, NY residential listings: 13032 16 listings, 7 candidates, bank pressure 62; 13421 5 listings, 4 candidates, bank pressure 62; 13037 4 listings, 0 candidates, bank pressure 66; 13035 2 listings, 1 candidates, bank pressure 66 (Madison, NY); 13334 2 listings, 0 candidates, bank pressure 67; 13409 2 listings, 2 candidates, bank pressure 62; 13030 1 listings, 1 candidates, bank pressure 66; 13052 1 listings, 1 candidates, bank pressure 65. Madison, NY totals: 38 listings; Madison, NY candidates 18; active ZIPs 3.
HUD assisted housing in Madison, NY
1 assisted properties with 101 units sit in Madison, NY; largest Madison, NY properties: Stoneleigh Apartments (Canastota) 101 units, 100 assisted.
Lenders with branches in Madison, NY
Madison, NY lenders by branch count: Community Bank National Assn (Madison, NY): stress 68, 6 branches moderate in Madison, NY; Nbt Bank National Assn (Madison, NY): stress 61, 6 branches low in Madison, NY; Manufacturers&Traders Tr Co (Madison, NY): stress 52, 2 branches low in Madison, NY; Seneca Sb Na (Madison, NY): stress 90, 1 branch low in Madison, NY.
Vacancy and permits, Madison, NY
4,478 of 30,730 Madison, NY housing units are vacant; Madison, NY permits, twelve months: 20 multifamily units in Madison, NY, 111 one-to-four unit units.
Work Madison, NY at the parcel level
Every Madison, NY parcel carries owner and address; every Madison, NY parcel carries APN; Madison, NY distress scores sit on the Madison, NY live board.
Madison, NY figures refresh with each source.
Madison, NY questions
Most distressed ZIP code in Madison County, NY?
ZIP 13460 leads Madison, NY at 29/100; next in Madison, NY: 13464 at 29/100; the Madison, NY average is 20/100.
Where does Madison County, NY rank for investment opportunity?
Madison, NY is #1,555 among all ranked counties, #25 in New York; the Madison, NY driver is vacancy; Madison, NY moved up 406 places.
How many mortgages are delinquent in Madison County, NY?
Madison, NY takes the metro area reading of 1.2% for December 2025; no CFPB county sample covers Madison, NY.
Which banks lend in Madison County, NY?
4 watched lenders hold Madison, NY branches; the largest Madison, NY footprints are Community Bank National Assn (6), Nbt Bank National Assn (6), Manufacturers&Traders Tr Co (2).
More on Madison, NY
Madison County, NY distress report: public-record figures for Madison, NY; not legal advice for Madison, NY; not tax or investment advice; verify every Madison, NY record before acting.