Otsego County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Otsego County, NY distress report, 2026: 46 ZIPs scored in Otsego, NY, Otsego, NY average 18/100; the top Otsego, NY ZIP is 13733 at 28/100; Otsego, NY market phase peak, Otsego, NY prices +4.9% year over year.
- Otsego, NY ranks #1,311 nationally (opportunity index); Otsego, NY #20 in New York; Otsego, NY index 30.1.
- Otsego, NY: no CFPB county sample; Otsego, NY non-metro area reading 0.8%.
- Otsego, NY ZIP phases: 28 peak, 18 expansion.
- Otsego, NY residential listings tracked: 39 across 35 ZIPs; Otsego, NY candidate listings 26.
- Otsego, NY HUD assisted properties: 2 with 58 units.
- Otsego, NY lenders on watch: 2; largest Otsego, NY footprint Nbt Bank National Assn (8 branches).
- Otsego, NY most distressed ZIP: 13733 at 28/100.
Otsego, NY figures: DLRadar distress index; Otsego, NY inputs: CFPB, FHFA, HUD, FDIC; Otsego, NY rebuilt as sources refresh.
| Rank | Otsego, NY ZIP | Score |
|---|---|---|
| 1 | 13733 | 28/100 |
| 2 | 13775 | 26/100 |
| 3 | 13750 | 25/100 |
| 4 | 13838 | 25/100 |
| 5 | 13411 | 23/100 |
| 6 | 13809 | 23/100 |
| 7 | 13843 | 23/100 |
| 8 | 13849 | 22/100 |
| 9 | 13317 | 20/100 |
| 10 | 13485 | 20/100 |
| 11 | 13820 | 20/100 |
| 12 | 13361 | 19/100 |
Most distressed Otsego, NY ZIPs (0-100, 2026)
Mortgage delinquency around Otsego, NY
No CFPB county sample covers Otsego, NY; the non-metro area reading for Otsego, NY: 0.8% ninety-plus; Otsego, NY area thirty-to-eighty-nine 3.0% (December 2025, Otsego, NY); New York overall 1.0%.
Opportunity index: Otsego, NY
Otsego, NY index 30.1, Otsego, NY phase early_signal; Otsego, NY primary driver vacancy, Otsego, NY second driver construction. Otsego, NY components: property stress 18.5, foreclosure pressure 18.3, listing discounts 23.6, bank stress 53.5, insurance 0.0; Otsego, NY pulse 35.2; Otsego, NY capital opportunity 22.5; Otsego, NY seven-day change +0.1%.
ZIP market phases inside Otsego, NY
46 Otsego, NY ZIPs carry a price-cycle phase; Otsego, NY ZIPs by phase (Otsego, NY), deepest drawdown first: expansion, +6.2% YoY (Otsego, NY): 12036; expansion, +6.5% YoY (Otsego, NY): 12043, 12149; expansion, +5.5% YoY (Otsego, NY): 12064; peak, +4.9% YoY (Otsego, NY): 12116, 12197, 13315, 13317, Otsego, NY 13320, 13326, 13333, 13335, Otsego, NY 13337, 13342, 13348; peak, +5.0% YoY (Otsego, NY): 12155.
Residential listings by Otsego, NY ZIP
Otsego, NY ZIPs with the most tracked Otsego, NY residential listings: 13820 10 listings, 5 candidates, bank pressure 69; 13849 5 listings, 1 candidates, bank pressure 69; 13326 3 listings, 3 candidates, bank pressure 67; 13439 3 listings, 3 candidates, bank pressure 67 (Otsego, NY); 13491 3 listings, 3 candidates, bank pressure 64; 13809 3 listings, 3 candidates, bank pressure 66; 12155 2 listings, 0 candidates, bank pressure 69; 13450 2 listings, 2 candidates, bank pressure 67. Otsego, NY totals: 39 listings; Otsego, NY candidates 26; active ZIPs 1.
HUD assisted housing in Otsego, NY
2 assisted properties with 58 units sit in Otsego, NY; largest Otsego, NY properties: James F. Lettis Apartments (Oneonta) 30 units, 30 assisted; Academy Arms Apartments (Oneonta) 28 units, 28 assisted.
Lenders with branches in Otsego, NY
Otsego, NY lenders by branch count: Nbt Bank National Assn (Otsego, NY): stress 61, 8 branches low in Otsego, NY; Community Bank National Assn (Otsego, NY): stress 68, 5 branches low in Otsego, NY.
Vacancy and permits, Otsego, NY
6,868 of 30,057 Otsego, NY housing units are vacant; Otsego, NY permits, twelve months: 0 multifamily units in Otsego, NY, 117 one-to-four unit units.
Work Otsego, NY at the parcel level
Every Otsego, NY parcel carries owner and address; every Otsego, NY parcel carries APN; Otsego, NY distress scores sit on the Otsego, NY live board.
Otsego, NY figures refresh with each source.
Otsego, NY questions
Most distressed ZIP code in Otsego County, NY?
ZIP 13733 leads Otsego, NY at 28/100; next in Otsego, NY: 13775 at 26/100; the Otsego, NY average is 18/100.
Where does Otsego County, NY rank for investment opportunity?
Otsego, NY is #1,311 among all ranked counties, #20 in New York; the Otsego, NY driver is vacancy; Otsego, NY moved down 244 places.
How many mortgages are delinquent in Otsego County, NY?
Otsego, NY takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Otsego, NY.
Which banks lend in Otsego County, NY?
2 watched lenders hold Otsego, NY branches; the largest Otsego, NY footprints are Nbt Bank National Assn (8), Community Bank National Assn (5).
More on Otsego, NY
Otsego County, NY distress report: public-record figures for Otsego, NY; not legal advice for Otsego, NY; not tax or investment advice; verify every Otsego, NY record before acting.