Seneca County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Seneca County, NY distress report, 2026: 15 ZIPs scored in Seneca, NY, Seneca, NY average 13/100; the top Seneca, NY ZIP is 14532 at 24/100; Seneca, NY market phase peak, Seneca, NY prices +4.9% year over year.
- Seneca, NY ranks #1,691 nationally (opportunity index); Seneca, NY #27 in New York; Seneca, NY index 28.8.
- Seneca, NY: no CFPB county sample; Seneca, NY non-metro area reading 0.8%.
- Seneca, NY ZIP phases: 14 peak, 1 expansion.
- Seneca, NY residential listings tracked: 3 across 8 ZIPs; Seneca, NY candidate listings 2.
- Seneca, NY HUD assisted properties: 1 with 40 units.
- Seneca, NY lenders on watch: 6; largest Seneca, NY footprint Community Bank National Assn (2 branches).
- Seneca, NY most distressed ZIP: 14532 at 24/100.
Seneca, NY figures: DLRadar distress index; Seneca, NY inputs: CFPB, FHFA, HUD, FDIC; Seneca, NY rebuilt as sources refresh.
| Rank | Seneca, NY ZIP | Score |
|---|---|---|
| 1 | 14532 | 24/100 |
| 2 | 14456 | 22/100 |
| 3 | 13146 | 13/100 |
| 4 | 14433 | 13/100 |
| 5 | 14489 | 13/100 |
| 6 | 14886 | 12/100 |
| 7 | 13065 | 11/100 |
| 8 | 13148 | 11/100 |
| 9 | 13165 | 11/100 |
| 10 | 14521 | 11/100 |
| 11 | 14541 | 11/100 |
| 12 | 14588 | 11/100 |
Most distressed Seneca, NY ZIPs (0-100, 2026)
Mortgage delinquency around Seneca, NY
No CFPB county sample covers Seneca, NY; the non-metro area reading for Seneca, NY: 0.8% ninety-plus; Seneca, NY area thirty-to-eighty-nine 3.0% (December 2025, Seneca, NY); New York overall 1.0%.
Opportunity index: Seneca, NY
Seneca, NY index 28.8, Seneca, NY phase early_signal; Seneca, NY primary driver vacancy, Seneca, NY second driver bank institutional. Seneca, NY components: property stress 17.2, foreclosure pressure 16.7, listing discounts 28.7, bank stress 58.0, insurance 0.0; Seneca, NY pulse 32.4; Seneca, NY capital opportunity 23.3.
ZIP market phases inside Seneca, NY
15 Seneca, NY ZIPs carry a price-cycle phase; Seneca, NY ZIPs by phase (Seneca, NY), deepest drawdown first: peak, +0.8% YoY, 3.0% off peak (Seneca, NY): 14886; peak, +4.9% YoY (Seneca, NY): 13065, 13148, 13165, 14521, Seneca, NY 14541, 14588, 14847, 14860; peak, +3.7% YoY (Seneca, NY): 13146, 14489; peak, +3.8% YoY (Seneca, NY): 14433; peak, +4.0% YoY (Seneca, NY): 14456; peak, +3.9% YoY (Seneca, NY): 14532; expansion, +5.7% YoY (Seneca, NY): 14841.
Residential listings by Seneca, NY ZIP
Seneca, NY ZIPs with the most tracked Seneca, NY residential listings: 13148 2 listings, 2 candidates, bank pressure 67; 14860 1 listings, 0 candidates, bank pressure 67; 13065 0 listings, 0 candidates, bank pressure 67; 13165 0 listings, 0 candidates, bank pressure 67 (Seneca, NY); 14521 0 listings, 0 candidates, bank pressure 67; 14541 0 listings, 0 candidates, bank pressure 67; 14588 0 listings, 0 candidates, bank pressure 67; 14847 0 listings, 0 candidates, bank pressure 66. Seneca, NY totals: 3 listings; Seneca, NY candidates 2; active ZIPs 1.
HUD assisted housing in Seneca, NY
1 assisted properties with 40 units sit in Seneca, NY; largest Seneca, NY properties: East Main St. Apts. (Waterloo) 40 units, 40 assisted.
Lenders with branches in Seneca, NY
Seneca, NY lenders by branch count: Community Bank National Assn (Seneca, NY): stress 68, 2 branches low in Seneca, NY; Five Star Bank (Seneca, NY): stress 59, 2 branches low in Seneca, NY; Savannah Bank National Assn (Seneca, NY): stress 86, 1 branch low in Seneca, NY; Lyons National Bank (Seneca, NY): stress 76, 1 branch low in Seneca, NY; Chemung Canal Trust Co (Seneca, NY): stress 60, 1 branch low in Seneca, NY; Manufacturers&Traders Tr Co (Seneca, NY): stress 52, 1 branch low in Seneca, NY.
Vacancy and permits, Seneca, NY
2,588 of 16,194 Seneca, NY housing units are vacant; Seneca, NY permits, twelve months: 7 multifamily units in Seneca, NY, 56 one-to-four unit units.
Work Seneca, NY at the parcel level
Every Seneca, NY parcel carries owner and address; every Seneca, NY parcel carries APN; Seneca, NY distress scores sit on the Seneca, NY live board.
Seneca, NY figures refresh with each source.
Seneca, NY questions
Most distressed ZIP code in Seneca County, NY?
ZIP 14532 leads Seneca, NY at 24/100; next in Seneca, NY: 14456 at 22/100; the Seneca, NY average is 13/100.
Where does Seneca County, NY rank for investment opportunity?
Seneca, NY is #1,691 among all ranked counties, #27 in New York; the Seneca, NY driver is vacancy; Seneca, NY moved up 50 places.
How many mortgages are delinquent in Seneca County, NY?
Seneca, NY takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Seneca, NY.
Which banks lend in Seneca County, NY?
6 watched lenders hold Seneca, NY branches; the largest Seneca, NY footprints are Community Bank National Assn (2), Five Star Bank (2), Savannah Bank National Assn (1).
More on Seneca, NY
Seneca County, NY distress report: public-record figures for Seneca, NY; not legal advice for Seneca, NY; not tax or investment advice; verify every Seneca, NY record before acting.