Tioga County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Tioga County, NY distress report, 2026: 15 ZIPs scored in Tioga, NY, Tioga, NY average 19/100; the top Tioga, NY ZIP is 14817 at 36/100; Tioga, NY market phase peak, Tioga, NY prices +1.8% year over year.
- Tioga, NY ranks #2,079 nationally (opportunity index); Tioga, NY #37 in New York; Tioga, NY index 27.4.
- Tioga, NY: no CFPB county sample; Tioga, NY metro area reading 1.2%.
- Tioga, NY ZIP phases: 13 peak, 2 contraction.
- Tioga, NY residential listings tracked: 18 across 12 ZIPs; Tioga, NY candidate listings 11.
- Tioga, NY HUD assisted properties: 1 with 75 units.
- Tioga, NY lenders on watch: 5; largest Tioga, NY footprint Tioga Stb Na (4 branches).
- Tioga, NY most distressed ZIP: 14817 at 36/100.
Tioga, NY figures: DLRadar distress index; Tioga, NY inputs: CFPB, FHFA, HUD, FDIC; Tioga, NY rebuilt as sources refresh.
| Rank | Tioga, NY ZIP | Score |
|---|---|---|
| 1 | 14817 | 36/100 |
| 2 | 13760 | 26/100 |
| 3 | 13835 | 21/100 |
| 4 | 13736 | 19/100 |
| 5 | 13811 | 19/100 |
| 6 | 13732 | 18/100 |
| 7 | 13734 | 18/100 |
| 8 | 13743 | 18/100 |
| 9 | 13812 | 18/100 |
| 10 | 13827 | 18/100 |
| 11 | 13864 | 18/100 |
| 12 | 14883 | 18/100 |
Most distressed Tioga, NY ZIPs (0-100, 2026)
Mortgage delinquency around Tioga, NY
No CFPB county sample covers Tioga, NY; the metro area reading for Tioga, NY (Binghamton, NY): 1.2% ninety-plus; Tioga, NY area thirty-to-eighty-nine 2.0% (December 2025, Tioga, NY); New York overall 1.0%.
Opportunity index: Tioga, NY
Tioga, NY index 27.4, Tioga, NY phase weak; Tioga, NY primary driver bank institutional, Tioga, NY second driver construction. Tioga, NY components: property stress 14.9, foreclosure pressure 11.8, listing discounts 32.3, bank stress 54.3, insurance 0.1; Tioga, NY pulse 29.0; Tioga, NY capital opportunity 25.0.
ZIP market phases inside Tioga, NY
15 Tioga, NY ZIPs carry a price-cycle phase; Tioga, NY ZIPs by phase (Tioga, NY), deepest drawdown first: contraction, -4.9% YoY, 6.5% off peak (Tioga, NY): 14817; contraction, -0.3% YoY, 3.3% off peak (Tioga, NY): 14883; peak, +0.1% YoY, 3.0% off peak (Tioga, NY): 13864; peak, +0.4% YoY, 2.8% off peak (Tioga, NY): 13736; peak, +4.0% YoY, 2.2% off peak (Tioga, NY): 14889; peak, +2.7% YoY, 2.1% off peak (Tioga, NY): 14859; peak, +2.5% YoY, 2.0% off peak (Tioga, NY): 14892; peak, +1.8% YoY, 1.8% off peak (Tioga, NY): 13732, 13734, 13743, 13760, Tioga, NY 13811, 13812, 13827; peak, +2.3% YoY, 1.6% off peak (Tioga, NY): 13835.
Residential listings by Tioga, NY ZIP
Tioga, NY ZIPs with the most tracked Tioga, NY residential listings: 13827 7 listings, 5 candidates, bank pressure 61; 14892 4 listings, 2 candidates, bank pressure 60; 13743 2 listings, 2 candidates, bank pressure 61; 13811 2 listings, 2 candidates, bank pressure 62 (Tioga, NY); 13835 2 listings, 0 candidates, bank pressure 62; 14883 1 listings, 0 candidates, bank pressure 62; 13732 0 listings, 0 candidates, bank pressure 61; 13734 0 listings, 0 candidates, bank pressure 61. Tioga, NY totals: 18 listings; Tioga, NY candidates 11; active ZIPs 6.
HUD assisted housing in Tioga, NY
1 assisted properties with 75 units sit in Tioga, NY; largest Tioga, NY properties: Elizabeth Square Apts (Waverly) 75 units, 75 assisted.
Lenders with branches in Tioga, NY
Tioga, NY lenders by branch count: Tioga Stb Na (Tioga, NY): stress 62, 4 branches low in Tioga, NY; Chemung Canal Trust Co (Tioga, NY): stress 60, 2 branches low in Tioga, NY; Community Bank National Assn (Tioga, NY): stress 68, 1 branch low in Tioga, NY; Nbt Bank National Assn (Tioga, NY): stress 61, 1 branch low in Tioga, NY; Manufacturers&Traders Tr Co (Tioga, NY): stress 52, 1 branch low in Tioga, NY.
Vacancy and permits, Tioga, NY
1,757 of 22,104 Tioga, NY housing units are vacant; Tioga, NY permits, twelve months: 79 multifamily units in Tioga, NY, 79 one-to-four unit units.
Work Tioga, NY at the parcel level
Every Tioga, NY parcel carries owner and address; every Tioga, NY parcel carries APN; Tioga, NY distress scores sit on the Tioga, NY live board.
Tioga, NY figures refresh with each source.
Tioga, NY questions
Most distressed ZIP code in Tioga County, NY?
ZIP 14817 leads Tioga, NY at 36/100; next in Tioga, NY: 13760 at 26/100; the Tioga, NY average is 19/100.
Where does Tioga County, NY rank for investment opportunity?
Tioga, NY is #2,079 among all ranked counties, #37 in New York; the Tioga, NY driver is bank institutional; Tioga, NY moved up 466 places.
How many mortgages are delinquent in Tioga County, NY?
Tioga, NY takes the metro area reading of 1.2% for December 2025; no CFPB county sample covers Tioga, NY.
Which banks lend in Tioga County, NY?
5 watched lenders hold Tioga, NY branches; the largest Tioga, NY footprints are Tioga Stb Na (4), Chemung Canal Trust Co (2), Community Bank National Assn (1).
More on Tioga, NY
Tioga County, NY distress report: public-record figures for Tioga, NY; not legal advice for Tioga, NY; not tax or investment advice; verify every Tioga, NY record before acting.