Ontario County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Ontario County, New York? DLRadar grades every Ontario County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Ontario County breakdown.
- Ontario County's most distressed ZIP is 14424 at 26/100.
- 27 ZIP codes tracked in Ontario County, averaging 24/100 distress.
- Ontario County reads peak — home values up 3.7% year over year.
- Vacancy runs 9.2% across Ontario County's tracked ZIPs, with a 8.5% poverty rate.
- The typical Ontario County home is worth about $203,515 against a ~$93,162 median income.
- Lending headwind in Ontario County sits at 72/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 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 ZIP codes in Ontario County (composite distress 0-100, 2026)
What is driving Ontario County distress
Ontario County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 24/100 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.
Ontario County market phase and pricing
The cycle in Ontario County is peak, with values up 3.7% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Frequently asked
Which part of Ontario County, NY scores highest for distress?
ZIP 14424 leads Ontario County at 26/100, recomputed monthly from public records.
How would you describe the Ontario County market phase?
Ontario County currently sits in peak, with values up 3.7% year on year, based on FHFA price-index trajectory.
Where does the Ontario County data come from?
Ontario 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 27 ZIPs are comparable to anywhere else.
How much do distress scores vary between Ontario County ZIP codes?
One county number flattens a wide range. Across the Ontario County ZIPs DLRadar ranks, scores run from 26/100 in 14424 down to 26/100 in 14561, against a Ontario County average of 24/100. The 0-point range is the argument for ZIP-level search across Ontario County.
What do Ontario County home values and vacancy say about distressed supply?
The typical Ontario County home carries about $203,515 of value against a median household income near $93,162. Vacancy across Ontario County's tracked ZIPs runs 9.2% and the poverty rate is 8.5%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Ontario County's foreclosure and tax-lien filings and its 72/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.