Oswego County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Oswego County, New York? DLRadar grades every Oswego County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Oswego County breakdown.
- Oswego County's most distressed ZIP is 13028 at 27/100.
- 28 ZIP codes tracked in Oswego County, averaging 25/100 distress.
- Oswego County reads expansion — home values up 5.8% year over year.
- Vacancy runs 19.9% across Oswego County's tracked ZIPs, with a 15.2% poverty rate.
- The typical Oswego County home is worth about $149,024 against a ~$69,991 median income.
- Lending headwind in Oswego County sits at 53/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 13028 | 27/100 |
| 2 | 13036 | 27/100 |
| 3 | 13044 | 27/100 |
| 4 | 13076 | 27/100 |
| 5 | 13083 | 27/100 |
| 6 | 13103 | 27/100 |
| 7 | 13114 | 27/100 |
| 8 | 13115 | 27/100 |
| 9 | 13121 | 27/100 |
| 10 | 13126 | 27/100 |
| 11 | 13131 | 27/100 |
| 12 | 13132 | 27/100 |
Most distressed ZIP codes in Oswego County (composite distress 0-100, 2026)
What is driving Oswego County distress
Nothing here is estimated: Oswego County is scored from filings alone, and its ZIPs average 25/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Oswego County market phase and pricing
The cycle in Oswego County is expansion, with values up 5.8% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Common questions
What is the hardest-hit ZIP in Oswego County?
ZIP 13028 leads Oswego County at 27/100, recomputed monthly from public records.
What stage of the price cycle is Oswego County at?
Oswego County is classified expansion with a 5.8% year-over-year increase, following the FHFA House Price Index.
What are the sources behind these Oswego County numbers?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 28 Oswego County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Oswego County ZIP codes?
One county number flattens a wide range. Across the Oswego County ZIPs DLRadar ranks, scores run from 27/100 in 13028 down to 27/100 in 13132, against a Oswego County average of 25/100. Those 0 points separate the ZIPs worth working in Oswego County from the rest.
What do Oswego County home values and vacancy say about distressed supply?
The typical Oswego County home carries about $149,024 of value against a median household income near $69,991. Vacancy across Oswego County's tracked ZIPs runs 19.9% and the poverty rate is 15.2%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Oswego County's foreclosure and lien filings and its 53/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.