Niagara County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Niagara County, NY distress report, 2026: 22 ZIPs scored in Niagara, NY, Niagara, NY average 22/100; the top Niagara, NY ZIP is 14174 at 23/100; Niagara, NY market phase peak, Niagara, NY prices +4.1% year over year.
- Niagara, NY ranks #1,993 nationally (opportunity index); Niagara, NY #34 in New York; Niagara, NY index 27.7.
- Niagara, NY ninety-day mortgage delinquency 1.5% in December 2025; Niagara, NY twelve-month change +0.6%.
- Niagara, NY ZIP phases: 22 peak.
- Niagara, NY residential listings tracked: 58 across 20 ZIPs; Niagara, NY candidate listings 28.
- Niagara, NY HUD assisted properties: 12 with 956 units.
- Niagara, NY lenders on watch: 2; largest Niagara, NY footprint Manufacturers&Traders Tr Co (4 branches).
- Niagara, NY most distressed ZIP: 14174 at 23/100.
Niagara, NY figures: DLRadar distress index; Niagara, NY inputs: CFPB, FHFA, HUD, FDIC; Niagara, NY rebuilt as sources refresh.
| Rank | Niagara, NY ZIP | Score |
|---|---|---|
| 1 | 14174 | 23/100 |
| 2 | 14001 | 22/100 |
| 3 | 14008 | 22/100 |
| 4 | 14028 | 22/100 |
| 5 | 14067 | 22/100 |
| 6 | 14092 | 22/100 |
| 7 | 14094 | 22/100 |
| 8 | 14108 | 22/100 |
| 9 | 14109 | 22/100 |
| 10 | 14120 | 22/100 |
| 11 | 14126 | 22/100 |
| 12 | 14131 | 22/100 |
Most distressed Niagara, NY ZIPs (0-100, 2026)
Mortgage delinquency in Niagara, NY
1.5% of Niagara, NY mortgages were ninety-plus days late (Niagara, NY, December 2025); Niagara, NY thirty-to-eighty-nine days late: 3.2%; Niagara, NY twelve-month change +0.6%; Niagara, NY peak since 2008: 2.8% (June 2013); New York overall 1.0%. Niagara, NY ninety-day series: Dec 24 0.9, Jan 25 1.2, Feb 25 1.0 (Niagara, NY), Mar 25 1.1, Apr 25 1.2, May 25 1.3 (Niagara, NY), Jun 25 1.5, Jul 25 1.4, Aug 25 1.4 (Niagara, NY), Sep 25 1.3, Oct 25 1.3, Nov 25 1.2 (Niagara, NY), Dec 25 1.5.
Opportunity index: Niagara, NY
Niagara, NY index 27.7, Niagara, NY phase weak; Niagara, NY primary driver bank institutional, Niagara, NY second driver vacancy. Niagara, NY components: property stress 13.0, foreclosure pressure 10.8, listing discounts 36.5, bank stress 55.7, insurance 0.0; Niagara, NY pulse 28.7; Niagara, NY capital opportunity 26.1.
ZIP market phases inside Niagara, NY
22 Niagara, NY ZIPs carry a price-cycle phase; Niagara, NY ZIPs by phase (Niagara, NY), deepest drawdown first: peak, +4.2% YoY (Niagara, NY): 14001; peak, +4.1% YoY (Niagara, NY): 14008, 14012, 14028, 14067, Niagara, NY 14092, 14094, 14105, 14108, Niagara, NY 14109, 14120, 14126, 14131, Niagara, NY 14132, 14172; peak, +3.7% YoY (Niagara, NY): 14098.
Residential listings by Niagara, NY ZIP
Niagara, NY ZIPs with the most tracked Niagara, NY residential listings: 14094 10 listings, 4 candidates, bank pressure 61; 14304 10 listings, 7 candidates, bank pressure 61; 14120 8 listings, 8 candidates, bank pressure 61; 14303 8 listings, 2 candidates, bank pressure 61 (Niagara, NY); 14305 8 listings, 3 candidates, bank pressure 61; 14108 5 listings, 0 candidates, bank pressure 61; 14131 3 listings, 0 candidates, bank pressure 61; 14012 2 listings, 2 candidates, bank pressure 61. Niagara, NY totals: 58 listings; Niagara, NY candidates 28; active ZIPs 11.
HUD assisted housing in Niagara, NY
12 assisted properties with 956 units sit in Niagara, NY; largest Niagara, NY properties: Applewalk Houses (Niagara Falls) 204 units; Foxwood Place (Lockport) 164 units, 163 assisted; Monteagle Ridge Estate (Niagara Falls) 150 units, 132 assisted in Niagara, NY; Wheatfield Towers (Niagara Falls) 101 units, 100 assisted; Colt Block Apartments (Niagara Falls) 71 units, 70 assisted; Sawyer Gardens (Niagara Falls) 59 units, 58 assisted.
Lenders with branches in Niagara, NY
Niagara, NY lenders by branch count: Manufacturers&Traders Tr Co (Niagara, NY): stress 52, 4 branches low in Niagara, NY; Nbt Bank National Assn (Niagara, NY): stress 61, 1 branch low in Niagara, NY.
Vacancy and permits, Niagara, NY
8,562 of 100,446 Niagara, NY housing units are vacant; Niagara, NY permits, twelve months: 16 multifamily units in Niagara, NY, 207 one-to-four unit units.
Work Niagara, NY at the parcel level
Every Niagara, NY parcel carries owner and address; every Niagara, NY parcel carries APN; Niagara, NY distress scores sit on the Niagara, NY live board.
Niagara, NY figures refresh with each source.
Niagara, NY questions
Most distressed ZIP code in Niagara County, NY?
ZIP 14174 leads Niagara, NY at 23/100; next in Niagara, NY: 14001 at 22/100; the Niagara, NY average is 22/100.
Where does Niagara County, NY rank for investment opportunity?
Niagara, NY is #1,993 among all ranked counties, #34 in New York; the Niagara, NY driver is bank institutional; Niagara, NY moved up 584 places.
How many mortgages are delinquent in Niagara County, NY?
1.5% of Niagara, NY mortgages were ninety-plus days late in December 2025; the Niagara, NY peak since 2008 was 2.8%.
Which banks lend in Niagara County, NY?
2 watched lenders hold Niagara, NY branches; the largest Niagara, NY footprints are Manufacturers&Traders Tr Co (4), Nbt Bank National Assn (1).
More on Niagara, NY
Niagara County, NY distress report: public-record figures for Niagara, NY; not legal advice for Niagara, NY; not tax or investment advice; verify every Niagara, NY record before acting.