Schoharie County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Schoharie County, NY distress report, 2026: 24 ZIPs scored in Schoharie, NY, Schoharie, NY average 14/100; the top Schoharie, NY ZIP is 12023 at 23/100; Schoharie, NY market phase expansion, Schoharie, NY prices +6.6% year over year.
- Schoharie, NY ranks #1,804 nationally (opportunity index); Schoharie, NY #29 in New York; Schoharie, NY index 28.4.
- Schoharie, NY: no CFPB county sample; Schoharie, NY metro area reading 0.8%.
- Schoharie, NY ZIP phases: 23 expansion, 1 peak.
- Schoharie, NY residential listings tracked: 11 across 18 ZIPs; Schoharie, NY candidate listings 7.
- Schoharie, NY lenders on watch: 5; largest Schoharie, NY footprint Nbt Bank National Assn (4 branches).
- Schoharie, NY most distressed ZIP: 12023 at 23/100.
Schoharie, NY figures: DLRadar distress index; Schoharie, NY inputs: CFPB, FHFA, HUD, FDIC; Schoharie, NY rebuilt as sources refresh.
| Rank | Schoharie, NY ZIP | Score |
|---|---|---|
| 1 | 12023 | 23/100 |
| 2 | 12053 | 22/100 |
| 3 | 12469 | 21/100 |
| 4 | 12066 | 20/100 |
| 5 | 12166 | 20/100 |
| 6 | 12167 | 17/100 |
| 7 | 12064 | 15/100 |
| 8 | 12093 | 15/100 |
| 9 | 12160 | 15/100 |
| 10 | 13459 | 15/100 |
| 11 | 12122 | 14/100 |
| 12 | 12036 | 13/100 |
Most distressed Schoharie, NY ZIPs (0-100, 2026)
Mortgage delinquency around Schoharie, NY
No CFPB county sample covers Schoharie, NY; the metro area reading for Schoharie, NY (Albany-Schenectady-Troy, NY): 0.8% ninety-plus; Schoharie, NY area thirty-to-eighty-nine 2.0% (December 2025, Schoharie, NY); New York overall 1.0%.
Opportunity index: Schoharie, NY
Schoharie, NY index 28.4, Schoharie, NY phase early_signal; Schoharie, NY primary driver vacancy, Schoharie, NY second driver bank institutional. Schoharie, NY components: property stress 17.6, foreclosure pressure 16.8, listing discounts 22.2, bank stress 55.7, insurance 0.0; Schoharie, NY pulse 33.1; Schoharie, NY capital opportunity 21.3; Schoharie, NY seven-day change +0.1%.
ZIP market phases inside Schoharie, NY
24 Schoharie, NY ZIPs carry a price-cycle phase; Schoharie, NY ZIPs by phase (Schoharie, NY), deepest drawdown first: expansion, +6.6% YoY (Schoharie, NY): 12023, 12031, 12035, 12071, Schoharie, NY 12076, 12092, 12122, 12131, Schoharie, NY 12157; expansion, +6.2% YoY (Schoharie, NY): 12036; expansion, +6.5% YoY (Schoharie, NY): 12043, 12053, 12149; expansion, +5.5% YoY (Schoharie, NY): 12064; expansion, +5.8% YoY (Schoharie, NY): 12066; expansion, +6.4% YoY (Schoharie, NY): 12093.
Residential listings by Schoharie, NY ZIP
Schoharie, NY ZIPs with the most tracked Schoharie, NY residential listings: 12122 3 listings, 2 candidates, bank pressure 69; 12093 2 listings, 2 candidates, bank pressure 72; 12167 2 listings, 0 candidates, bank pressure 72; 13459 2 listings, 2 candidates, bank pressure 69 (Schoharie, NY); 12043 1 listings, 1 candidates, bank pressure 70; 12175 1 listings, 0 candidates, bank pressure 73; 12031 0 listings, 0 candidates, bank pressure 73; 12035 0 listings, 0 candidates, bank pressure 73. Schoharie, NY totals: 11 listings; Schoharie, NY candidates 7; active ZIPs 2.
Lenders with branches in Schoharie, NY
Schoharie, NY lenders by branch count: Nbt Bank National Assn (Schoharie, NY): stress 61, 4 branches low in Schoharie, NY; Bank Of Richmondville (Schoharie, NY): stress 76, 3 branches elevated in Schoharie, NY; Ballston Spa National Bank (Schoharie, NY): stress 90, 1 branch low in Schoharie, NY; Trustco Bank (Schoharie, NY): stress 75, 1 branch low in Schoharie, NY; Community Bank National Assn (Schoharie, NY): stress 68, 1 branch low in Schoharie, NY.
Vacancy and permits, Schoharie, NY
3,701 of 16,562 Schoharie, NY housing units are vacant; Schoharie, NY permits, twelve months: 0 multifamily units in Schoharie, NY, 39 one-to-four unit units.
Work Schoharie, NY at the parcel level
Every Schoharie, NY parcel carries owner and address; every Schoharie, NY parcel carries APN; Schoharie, NY distress scores sit on the Schoharie, NY live board.
Schoharie, NY figures refresh with each source.
Schoharie, NY questions
Most distressed ZIP code in Schoharie County, NY?
ZIP 12023 leads Schoharie, NY at 23/100; next in Schoharie, NY: 12053 at 22/100; the Schoharie, NY average is 14/100.
Where does Schoharie County, NY rank for investment opportunity?
Schoharie, NY is #1,804 among all ranked counties, #29 in New York; the Schoharie, NY driver is vacancy; Schoharie, NY moved down 228 places.
How many mortgages are delinquent in Schoharie County, NY?
Schoharie, NY takes the metro area reading of 0.8% for December 2025; no CFPB county sample covers Schoharie, NY.
Which banks lend in Schoharie County, NY?
5 watched lenders hold Schoharie, NY branches; the largest Schoharie, NY footprints are Nbt Bank National Assn (4), Bank Of Richmondville (3), Ballston Spa National Bank (1).
More on Schoharie, NY
Schoharie County, NY distress report: public-record figures for Schoharie, NY; not legal advice for Schoharie, NY; not tax or investment advice; verify every Schoharie, NY record before acting.