Oswego County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Oswego County, NY distress report, 2026: 28 ZIPs scored in Oswego, NY, Oswego, NY average 24/100; the top Oswego, NY ZIP is 13028 at 25/100; Oswego, NY market phase expansion, Oswego, NY prices +5.8% year over year.
- Oswego, NY ranks #828 nationally (opportunity index); Oswego, NY #12 in New York; Oswego, NY index 31.9.
- Oswego, NY: no CFPB county sample; Oswego, NY metro area reading 1.2%.
- Oswego, NY ZIP phases: 27 expansion, 1 peak.
- Oswego, NY residential listings tracked: 54 across 22 ZIPs; Oswego, NY candidate listings 29.
- Oswego, NY HUD assisted properties: 3 with 279 units.
- Oswego, NY lenders on watch: 4; largest Oswego, NY footprint Pathfinder Bank (7 branches).
- Oswego, NY most distressed ZIP: 13028 at 25/100.
Oswego, NY figures: DLRadar distress index; Oswego, NY inputs: CFPB, FHFA, HUD, FDIC; Oswego, NY rebuilt as sources refresh.
| Rank | Oswego, NY ZIP | Score |
|---|---|---|
| 1 | 13028 | 25/100 |
| 2 | 13036 | 25/100 |
| 3 | 13044 | 25/100 |
| 4 | 13074 | 25/100 |
| 5 | 13076 | 25/100 |
| 6 | 13083 | 25/100 |
| 7 | 13103 | 25/100 |
| 8 | 13114 | 25/100 |
| 9 | 13115 | 25/100 |
| 10 | 13121 | 25/100 |
| 11 | 13126 | 25/100 |
| 12 | 13131 | 25/100 |
Most distressed Oswego, NY ZIPs (0-100, 2026)
Mortgage delinquency around Oswego, NY
No CFPB county sample covers Oswego, NY; the metro area reading for Oswego, NY (Syracuse, NY): 1.2% ninety-plus; Oswego, NY area thirty-to-eighty-nine 2.6% (December 2025, Oswego, NY); New York overall 1.0%.
Opportunity index: Oswego, NY
Oswego, NY index 31.9, Oswego, NY phase watchlist; Oswego, NY primary driver vacancy, Oswego, NY second driver construction. Oswego, NY components: property stress 19.8, foreclosure pressure 17.4, listing discounts 37.6, bank stress 54.6, insurance 0.0; Oswego, NY pulse 34.5; Oswego, NY capital opportunity 28.1.
ZIP market phases inside Oswego, NY
28 Oswego, NY ZIPs carry a price-cycle phase; Oswego, NY ZIPs by phase (Oswego, NY), deepest drawdown first: expansion, +5.8% YoY (Oswego, NY): 13028, 13036, 13044, 13069, Oswego, NY 13074, 13076, 13103, 13114, Oswego, NY 13115, 13121, 13126, 13131, Oswego, NY 13132; expansion, +8.2% YoY (Oswego, NY): 13042; expansion, +5.9% YoY (Oswego, NY): 13083; expansion, +5.1% YoY (Oswego, NY): 13111.
Residential listings by Oswego, NY ZIP
Oswego, NY ZIPs with the most tracked Oswego, NY residential listings: 13126 11 listings, 4 candidates, bank pressure 64; 13069 8 listings, 4 candidates, bank pressure 64; 13044 6 listings, 6 candidates, bank pressure 58; 13083 4 listings, 3 candidates, bank pressure 53 (Oswego, NY); 13131 4 listings, 4 candidates, bank pressure 58; 13135 4 listings, 0 candidates, bank pressure 64; 13142 3 listings, 3 candidates, bank pressure 58; 13167 3 listings, 0 candidates, bank pressure 58. Oswego, NY totals: 54 listings; Oswego, NY candidates 29; active ZIPs 4.
HUD assisted housing in Oswego, NY
3 assisted properties with 279 units sit in Oswego, NY; largest Oswego, NY properties: Fulton Mill Apts (Fulton) 108 units, 107 assisted; St. Luke's Elderly Housing (Oswego) 101 units, 100 assisted; Pontiac Terrace Apts (Oswego) 70 units, 70 assisted in Oswego, NY.
Lenders with branches in Oswego, NY
Oswego, NY lenders by branch count: Pathfinder Bank (Oswego, NY): stress 73, 7 branches moderate in Oswego, NY; Community Bank National Assn (Oswego, NY): stress 68, 4 branches low in Oswego, NY; Nbt Bank National Assn (Oswego, NY): stress 61, 4 branches low in Oswego, NY; Fulton Savings Bank (Oswego, NY): stress 15, 4 branches low in Oswego, NY.
Vacancy and permits, Oswego, NY
7,605 of 54,844 Oswego, NY housing units are vacant; Oswego, NY permits, twelve months: 15 multifamily units in Oswego, NY, 130 one-to-four unit units.
Work Oswego, NY at the parcel level
Every Oswego, NY parcel carries owner and address; every Oswego, NY parcel carries APN; Oswego, NY distress scores sit on the Oswego, NY live board.
Oswego, NY figures refresh with each source.
Oswego, NY questions
Most distressed ZIP code in Oswego County, NY?
ZIP 13028 leads Oswego, NY at 25/100; next in Oswego, NY: 13036 at 25/100; the Oswego, NY average is 24/100.
Where does Oswego County, NY rank for investment opportunity?
Oswego, NY is #828 among all ranked counties, #12 in New York; the Oswego, NY driver is vacancy; Oswego, NY moved up 392 places.
How many mortgages are delinquent in Oswego County, NY?
Oswego, NY takes the metro area reading of 1.2% for December 2025; no CFPB county sample covers Oswego, NY.
Which banks lend in Oswego County, NY?
4 watched lenders hold Oswego, NY branches; the largest Oswego, NY footprints are Pathfinder Bank (7), Community Bank National Assn (4), Nbt Bank National Assn (4).
More on Oswego, NY
Oswego County, NY distress report: public-record figures for Oswego, NY; not legal advice for Oswego, NY; not tax or investment advice; verify every Oswego, NY record before acting.