Ontario County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Ontario County, NY distress report, 2026: 27 ZIPs scored in Ontario, NY, Ontario, NY average 23/100; the top Ontario, NY ZIP is 14424 at 26/100; Ontario, NY market phase peak, Ontario, NY prices +3.7% year over year.
- Ontario, NY ranks #1,993 nationally (opportunity index); Ontario, NY #34 in New York; Ontario, NY index 27.7.
- Ontario, NY: no CFPB county sample; Ontario, NY metro area reading 1.0%.
- Ontario, NY ZIP phases: 26 peak, 1 expansion.
- Ontario, NY residential listings tracked: 27 across 19 ZIPs; Ontario, NY candidate listings 18.
- Ontario, NY HUD assisted properties: 8 with 582 units.
- Ontario, NY lenders on watch: 5; largest Ontario, NY footprint Canandaigua Nb&T Co (8 branches).
- Ontario, NY most distressed ZIP: 14424 at 26/100.
Ontario, NY figures: DLRadar distress index; Ontario, NY inputs: CFPB, FHFA, HUD, FDIC; Ontario, NY rebuilt as sources refresh.
| Rank | Ontario, NY ZIP | Score |
|---|---|---|
| 1 | 14424 | 26/100 |
| 2 | 14425 | 26/100 |
| 3 | 14432 | 26/100 |
| 4 | 14453 | 26/100 |
| 5 | 14463 | 26/100 |
| 6 | 14469 | 26/100 |
| 7 | 14471 | 26/100 |
| 8 | 14475 | 26/100 |
| 9 | 14504 | 26/100 |
| 10 | 14537 | 26/100 |
| 11 | 14548 | 26/100 |
| 12 | 14561 | 26/100 |
Most distressed Ontario, NY ZIPs (0-100, 2026)
Mortgage delinquency around Ontario, NY
No CFPB county sample covers Ontario, NY; the metro area reading for Ontario, NY (Rochester, NY): 1.0% ninety-plus; Ontario, NY area thirty-to-eighty-nine 2.3% (December 2025, Ontario, NY); New York overall 1.0%.
Opportunity index: Ontario, NY
Ontario, NY index 27.7, Ontario, NY phase weak; Ontario, NY primary driver bank institutional, Ontario, NY second driver vacancy. Ontario, NY components: property stress 19.5, foreclosure pressure 15.7, listing discounts 26.6, bank stress 60.5, insurance 0.0; Ontario, NY pulse 31.1; Ontario, NY capital opportunity 22.5; Ontario, NY seven-day change +0.3%.
ZIP market phases inside Ontario, NY
27 Ontario, NY ZIPs carry a price-cycle phase; Ontario, NY ZIPs by phase (Ontario, NY), deepest drawdown first: peak, +3.7% YoY (Ontario, NY): 14424, 14425, 14432, 14453, Ontario, NY 14463, 14466, 14469, 14471, Ontario, NY 14472, 14475, 14485, 14487, Ontario, NY 14489, 14504; peak, +4.0% YoY (Ontario, NY): 14456; peak, +4.4% YoY (Ontario, NY): 14512.
Residential listings by Ontario, NY ZIP
Ontario, NY ZIPs with the most tracked Ontario, NY residential listings: 14424 5 listings, 4 candidates, bank pressure 64; 14548 4 listings, 3 candidates, bank pressure 64; 14560 4 listings, 2 candidates, bank pressure 64; 14456 3 listings, 2 candidates, bank pressure 66 (Ontario, NY); 14469 2 listings, 1 candidates, bank pressure 64; 14471 2 listings, 2 candidates, bank pressure 64; 14512 2 listings, 2 candidates, bank pressure 65; 14561 2 listings, 0 candidates, bank pressure 66. Ontario, NY totals: 27 listings; Ontario, NY candidates 18; active ZIPs 10.
HUD assisted housing in Ontario, NY
8 assisted properties with 582 units sit in Ontario, NY; largest Ontario, NY properties: Canandaigua Elderly Housing (Canandaigua) 131 units, 130 assisted; Spa Apartments (Clifton Springs) 109 units; Fairdale Townhome Apartments (Farmington) 104 units in Ontario, NY; Lakeside Village Apartments (Canandaigua) 64 units, 64 assisted; Autumn Grove (Victor) 50 units, 49 assisted; North Street Apartments (Geneva) 50 units, 50 assisted.
Lenders with branches in Ontario, NY
Ontario, NY lenders by branch count: Canandaigua Nb&T Co (Ontario, NY): stress 69, 8 branches low in Ontario, NY; Community Bank National Assn (Ontario, NY): stress 68, 4 branches low in Ontario, NY; Five Star Bank (Ontario, NY): stress 59, 4 branches low in Ontario, NY; Lyons National Bank (Ontario, NY): stress 76, 3 branches low in Ontario, NY; Manufacturers&Traders Tr Co (Ontario, NY): stress 52, 1 branch low in Ontario, NY.
Vacancy and permits, Ontario, NY
5,068 of 53,379 Ontario, NY housing units are vacant; Ontario, NY permits, twelve months: 98 multifamily units in Ontario, NY, 310 one-to-four unit units.
Work Ontario, NY at the parcel level
Every Ontario, NY parcel carries owner and address; every Ontario, NY parcel carries APN; Ontario, NY distress scores sit on the Ontario, NY live board.
Ontario, NY figures refresh with each source.
Ontario, NY questions
Most distressed ZIP code in Ontario County, NY?
ZIP 14424 leads Ontario, NY at 26/100; next in Ontario, NY: 14425 at 26/100; the Ontario, NY average is 23/100.
Where does Ontario County, NY rank for investment opportunity?
Ontario, NY is #1,993 among all ranked counties, #34 in New York; the Ontario, NY driver is bank institutional; Ontario, NY moved up 121 places.
How many mortgages are delinquent in Ontario County, NY?
Ontario, NY takes the metro area reading of 1.0% for December 2025; no CFPB county sample covers Ontario, NY.
Which banks lend in Ontario County, NY?
5 watched lenders hold Ontario, NY branches; the largest Ontario, NY footprints are Canandaigua Nb&T Co (8), Community Bank National Assn (4), Five Star Bank (4).
More on Ontario, NY
Ontario County, NY distress report: public-record figures for Ontario, NY; not legal advice for Ontario, NY; not tax or investment advice; verify every Ontario, NY record before acting.