Otsego County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Otsego County, New York? DLRadar grades every Otsego County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Otsego County breakdown.
- Otsego County's most distressed ZIP is 13733 at 30/100.
- 46 ZIP codes tracked in Otsego County, averaging 19/100 distress.
- Otsego County reads peak — home values up 4.9% year over year.
- Vacancy runs 26% across Otsego County's tracked ZIPs, with a 11% poverty rate.
- The typical Otsego County home is worth about $166,420 against a ~$67,121 median income.
- Lending headwind in Otsego County sits at 57/100 — 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 | 13733 | 30/100 |
| 2 | 13750 | 28/100 |
| 3 | 13775 | 28/100 |
| 4 | 13838 | 28/100 |
| 5 | 13843 | 24/100 |
| 6 | 13411 | 23/100 |
| 7 | 13809 | 23/100 |
| 8 | 13849 | 23/100 |
| 9 | 13485 | 22/100 |
| 10 | 13820 | 21/100 |
| 11 | 13317 | 20/100 |
| 12 | 12155 | 19/100 |
Most distressed ZIP codes in Otsego County (composite distress 0-100, 2026)
What is driving Otsego County distress
Otsego County's placement in the national index rests on public filings — a 19/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Otsego County market phase and pricing
DLRadar places Otsego County in peak; prices moved up 4.9% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Otsego County
The Otsego County scores above are open to read. A 60-minute exploration adds the individual distressed properties behind each ZIP — no card required.
No card charged today · explore every module with live data.
Questions and answers
Which ZIP code leads Otsego County on distress?
ZIP 13733 leads Otsego County at 30/100, recomputed monthly from public records.
Where is Otsego County in the housing cycle?
The market phase for Otsego County is peak, prices rising 4.9% on the year — derived from the FHFA House Price Index path.
What are the sources behind these Otsego 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 46 Otsego 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 Otsego County ZIP codes?
One county number flattens a wide range. Across the Otsego County ZIPs DLRadar ranks, scores run from 30/100 in 13733 down to 19/100 in 12155, against a Otsego County average of 19/100. The 11-point range is the argument for ZIP-level search across Otsego County.
What do Otsego County home values and vacancy say about distressed supply?
The typical Otsego County home carries about $166,420 of value against a median household income near $67,121. Vacancy across Otsego County's tracked ZIPs runs 26% and the poverty rate is 11%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Otsego County's foreclosure and lien filings and its 57/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.