St. Lawrence County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in St. Lawrence County, New York? DLRadar grades every St. Lawrence County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 33/100. Here is the 2026 St. Lawrence County breakdown.
- St. Lawrence County's most distressed ZIP is 12922 at 33/100.
- 54 ZIP codes tracked in St. Lawrence County, averaging 31/100 distress.
- St. Lawrence County reads peak — home values up 4.9% year over year.
- Vacancy runs 30.5% across St. Lawrence County's tracked ZIPs, with a 17.6% poverty rate.
- The typical St. Lawrence County home is worth about $127,776 against a ~$63,747 median income.
- Lending headwind in St. Lawrence County sits at 55/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 12922 | 33/100 |
| 2 | 12927 | 33/100 |
| 3 | 12965 | 33/100 |
| 4 | 12967 | 33/100 |
| 5 | 12973 | 33/100 |
| 6 | 13613 | 33/100 |
| 7 | 13614 | 33/100 |
| 8 | 13617 | 33/100 |
| 9 | 13621 | 33/100 |
| 10 | 13623 | 33/100 |
| 11 | 13625 | 33/100 |
| 12 | 13630 | 33/100 |
Most distressed ZIP codes in St. Lawrence County (composite distress 0-100, 2026)
What is driving St. Lawrence County distress
DLRadar builds St. Lawrence County's distress picture only from records anyone can pull; its ZIPs average 31/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
St. Lawrence County market phase and pricing
The cycle in St. Lawrence County is peak, with values up 4.9% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Common questions
Which ZIP code leads St. Lawrence County on distress?
ZIP 12922 leads St. Lawrence County at 33/100, recomputed monthly from public records.
Is St. Lawrence County expanding or contracting?
Phase for St. Lawrence County: peak, tracking a 4.9% gain year over year, read off the FHFA index.
Which datasets feed the St. Lawrence County scores?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 54 St. Lawrence 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 St. Lawrence County ZIP codes?
Averaging the county conceals how uneven it is. Across the St. Lawrence County ZIPs DLRadar ranks, scores run from 33/100 in 12922 down to 33/100 in 13630, against a St. Lawrence County average of 31/100. Because the gap runs to 0 points, St. Lawrence County rewards ZIP-level precision.
What do St. Lawrence County home values and vacancy say about distressed supply?
The typical St. Lawrence County home carries about $127,776 of value against a median household income near $63,747. Vacancy across St. Lawrence County's tracked ZIPs runs 30.5% and the poverty rate is 17.6%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside St. Lawrence County's foreclosure and tax-lien filings and its 55/100 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.