Niagara County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Niagara County, New York? DLRadar grades every Niagara County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Niagara County breakdown.
- Niagara County's most distressed ZIP is 14001 at 22/100.
- 22 ZIP codes tracked in Niagara County, averaging 21/100 distress.
- Niagara County reads peak — home values up 4.1% year over year.
- Vacancy runs 14% across Niagara County's tracked ZIPs, with a 15.4% poverty rate.
- The typical Niagara County home is worth about $198,565 against a ~$70,354 median income.
- Lending headwind in Niagara County sits at 49/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 14001 | 22/100 |
| 2 | 14174 | 22/100 |
| 3 | 14008 | 21/100 |
| 4 | 14028 | 21/100 |
| 5 | 14067 | 21/100 |
| 6 | 14092 | 21/100 |
| 7 | 14094 | 21/100 |
| 8 | 14108 | 21/100 |
| 9 | 14109 | 21/100 |
| 10 | 14120 | 21/100 |
| 11 | 14126 | 21/100 |
| 12 | 14131 | 21/100 |
Most distressed ZIP codes in Niagara County (composite distress 0-100, 2026)
What is driving Niagara County distress
Niagara County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 21/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Niagara County market phase and pricing
Phase for Niagara County: peak (+4.1% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Niagara County
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What people ask
What is the hardest-hit ZIP in Niagara County?
ZIP 14001 leads Niagara County at 22/100, recomputed monthly from public records.
What stage of the price cycle is Niagara County at?
Phase for Niagara County: peak, tracking a 4.1% gain year over year, read off the FHFA index.
What are the sources behind these Niagara County numbers?
Niagara County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 22 ZIPs are comparable to anywhere else.
How much do distress scores vary between Niagara County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Niagara County ZIPs DLRadar ranks, scores run from 22/100 in 14001 down to 21/100 in 14131, against a Niagara County average of 21/100. Because the gap runs to 1 points, Niagara County rewards ZIP-level precision.
What do Niagara County home values and vacancy say about distressed supply?
The typical Niagara County home carries about $198,565 of value against a median household income near $70,354. Vacancy across Niagara County's tracked ZIPs runs 14% and the poverty rate is 15.4%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Niagara County's foreclosure and lien filings and its 49/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.