St. Lawrence County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
St. Lawrence County, NY distress report, 2026: 54 ZIPs scored in St. Lawrence, NY, St. Lawrence, NY average 30/100; the top St. Lawrence, NY ZIP is 12922 at 31/100; St. Lawrence, NY market phase peak, St. Lawrence, NY prices +4.9% year over year.
- St. Lawrence, NY ranks #1,089 nationally (opportunity index); St. Lawrence, NY #16 in New York; St. Lawrence, NY index 30.8.
- St. Lawrence, NY: no CFPB county sample; St. Lawrence, NY non-metro area reading 0.8%.
- St. Lawrence, NY ZIP phases: 44 peak, 10 expansion.
- St. Lawrence, NY residential listings tracked: 23 across 45 ZIPs; St. Lawrence, NY candidate listings 15.
- St. Lawrence, NY HUD assisted properties: 1 with 75 units.
- St. Lawrence, NY lenders on watch: 8; largest St. Lawrence, NY footprint Community Bank National Assn (8 branches).
- St. Lawrence, NY most distressed ZIP: 12922 at 31/100.
St. Lawrence, NY figures: DLRadar distress index; St. Lawrence, NY inputs: CFPB, FHFA, HUD, FDIC; St. Lawrence, NY rebuilt as sources refresh.
| Rank | St. Lawrence, NY ZIP | Score |
|---|---|---|
| 1 | 12922 | 31/100 |
| 2 | 12927 | 31/100 |
| 3 | 12965 | 31/100 |
| 4 | 12973 | 31/100 |
| 5 | 13613 | 31/100 |
| 6 | 13614 | 31/100 |
| 7 | 13617 | 31/100 |
| 8 | 13621 | 31/100 |
| 9 | 13623 | 31/100 |
| 10 | 13625 | 31/100 |
| 11 | 13630 | 31/100 |
| 12 | 13633 | 31/100 |
Most distressed St. Lawrence, NY ZIPs (0-100, 2026)
Mortgage delinquency around St. Lawrence, NY
No CFPB county sample covers St. Lawrence, NY; the non-metro area reading for St. Lawrence, NY: 0.8% ninety-plus; St. Lawrence, NY area thirty-to-eighty-nine 3.0% (December 2025, St. Lawrence, NY); New York overall 1.0%.
Opportunity index: St. Lawrence, NY
St. Lawrence, NY index 30.8, St. Lawrence, NY phase early_signal; St. Lawrence, NY primary driver vacancy, St. Lawrence, NY second driver construction. St. Lawrence, NY components: property stress 26.7, foreclosure pressure 26.3, listing discounts 20.2, bank stress 50.1, insurance 0.0; St. Lawrence, NY pulse 35.8; St. Lawrence, NY capital opportunity 23.4; St. Lawrence, NY seven-day change -0.2%.
ZIP market phases inside St. Lawrence, NY
54 St. Lawrence, NY ZIPs carry a price-cycle phase; St. Lawrence, NY ZIPs by phase (St. Lawrence, NY), deepest drawdown first: expansion, +5.9% YoY (St. Lawrence, NY): 12847, 12930; expansion, +5.8% YoY (St. Lawrence, NY): 12914, 12980; peak, +4.9% YoY (St. Lawrence, NY): 12922, 12927, 12965, 12967, St. Lawrence, NY 12973, 13613, 13614, 13617, St. Lawrence, NY 13621, 13623; expansion, +5.7% YoY (St. Lawrence, NY): 12986; expansion, +10.7% YoY (St. Lawrence, NY): 13608.
Residential listings by St. Lawrence, NY ZIP
St. Lawrence, NY ZIPs with the most tracked St. Lawrence, NY residential listings: 13669 6 listings, 5 candidates, bank pressure 62; 12973 2 listings, 0 candidates, bank pressure 62; 13633 2 listings, 0 candidates, bank pressure 62; 13646 2 listings, 2 candidates, bank pressure 56 (St. Lawrence, NY); 13676 2 listings, 2 candidates, bank pressure 62; 13690 2 listings, 1 candidates, bank pressure 62; 12967 1 listings, 0 candidates, bank pressure 65; 13617 1 listings, 1 candidates, bank pressure 62. St. Lawrence, NY totals: 23 listings; St. Lawrence, NY candidates 15; active ZIPs 3.
HUD assisted housing in St. Lawrence, NY
1 assisted properties with 75 units sit in St. Lawrence, NY; largest St. Lawrence, NY properties: Constitution Court (Gouverneur) 75 units.
Lenders with branches in St. Lawrence, NY
St. Lawrence, NY lenders by branch count: Community Bank National Assn (St. Lawrence, NY): stress 68, 8 branches low in St. Lawrence, NY; Nbt Bank National Assn (St. Lawrence, NY): stress 61, 4 branches low in St. Lawrence, NY; North Country Savings Bank (St. Lawrence, NY): stress 52, 4 branches low in St. Lawrence, NY; Citizens Nb Of Hammond (St. Lawrence, NY): stress 97, 2 branches low in St. Lawrence, NY; Massena Savings&Loan (St. Lawrence, NY): stress 51, 2 branches low in St. Lawrence, NY; Upstate National Bank (St. Lawrence, NY): stress 90, 1 branch low in St. Lawrence, NY; Gouverneur Savings&Loan Assn (St. Lawrence, NY): stress 57, 1 branch low in St. Lawrence, NY; Gs&L Municipal Bank (St. Lawrence, NY): stress 14, 1 branch low in St. Lawrence, NY.
Vacancy and permits, St. Lawrence, NY
10,304 of 51,970 St. Lawrence, NY housing units are vacant; St. Lawrence, NY permits, twelve months: 5 multifamily units in St. Lawrence, NY, 207 one-to-four unit units.
Work St. Lawrence, NY at the parcel level
Every St. Lawrence, NY parcel carries owner and address; every St. Lawrence, NY parcel carries APN; St. Lawrence, NY distress scores sit on the St. Lawrence, NY live board.
St. Lawrence, NY figures refresh with each source.
St. Lawrence, NY questions
Most distressed ZIP code in St. Lawrence County, NY?
ZIP 12922 leads St. Lawrence, NY at 31/100; next in St. Lawrence, NY: 12927 at 31/100; the St. Lawrence, NY average is 30/100.
Where does St. Lawrence County, NY rank for investment opportunity?
St. Lawrence, NY is #1,089 among all ranked counties, #16 in New York; the St. Lawrence, NY driver is vacancy; St. Lawrence, NY moved down 178 places.
How many mortgages are delinquent in St. Lawrence County, NY?
St. Lawrence, NY takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers St. Lawrence, NY.
Which banks lend in St. Lawrence County, NY?
8 watched lenders hold St. Lawrence, NY branches; the largest St. Lawrence, NY footprints are Community Bank National Assn (8), Nbt Bank National Assn (4), North Country Savings Bank (4).
More on St. Lawrence, NY
St. Lawrence County, NY distress report: public-record figures for St. Lawrence, NY; not legal advice for St. Lawrence, NY; not tax or investment advice; verify every St. Lawrence, NY record before acting.