Schoharie County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Schoharie County, New York? DLRadar grades every Schoharie County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Schoharie County breakdown.
- Schoharie County's most distressed ZIP is 12023 at 23/100.
- 24 ZIP codes tracked in Schoharie County, averaging 14/100 distress.
- Schoharie County reads expansion — home values up 6.6% year over year.
- Vacancy runs 28.4% across Schoharie County's tracked ZIPs, with a 9.2% poverty rate.
- The typical Schoharie County home is worth about $197,846 against a ~$75,667 median income.
- Lending headwind in Schoharie County sits at 71/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 12023 | 23/100 |
| 2 | 12053 | 22/100 |
| 3 | 12469 | 21/100 |
| 4 | 12066 | 20/100 |
| 5 | 12166 | 20/100 |
| 6 | 12167 | 19/100 |
| 7 | 12064 | 16/100 |
| 8 | 12093 | 15/100 |
| 9 | 12160 | 15/100 |
| 10 | 13459 | 15/100 |
| 11 | 12122 | 14/100 |
| 12 | 12036 | 13/100 |
Most distressed ZIP codes in Schoharie County (composite distress 0-100, 2026)
What is driving Schoharie County distress
Schoharie County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 14/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Schoharie County market phase and pricing
Schoharie County currently sits in expansion after a 6.6% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Frequently asked
Which Schoharie County ZIP scores worst for distress?
ZIP 12023 leads Schoharie County at 23/100, recomputed monthly from public records.
What market phase is Schoharie County in?
Schoharie County reads expansion, with home prices up 6.6% year over year. Phase comes from FHFA House Price Index trajectory.
What is this Schoharie County analysis built from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 24 Schoharie County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Schoharie County ZIP codes?
One county number flattens a wide range. Across the Schoharie County ZIPs DLRadar ranks, scores run from 23/100 in 12023 down to 13/100 in 12036, against a Schoharie County average of 14/100. The 10-point range is the argument for ZIP-level search across Schoharie County.
What do Schoharie County home values and vacancy say about distressed supply?
The typical Schoharie County home carries about $197,846 of value against a median household income near $75,667. Vacancy across Schoharie County's tracked ZIPs runs 28.4% and the poverty rate is 9.2%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Schoharie County's foreclosure and tax-lien filings and its 71/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.