Tioga County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Tioga County, New York? DLRadar grades every Tioga County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 37/100. Here is the 2026 Tioga County breakdown.
- Tioga County's most distressed ZIP is 14817 at 37/100.
- 15 ZIP codes tracked in Tioga County, averaging 20/100 distress.
- Tioga County reads peak — home values up 1.8% year over year, 1.8% off peak.
- Vacancy runs 8.6% across Tioga County's tracked ZIPs, with a 12% poverty rate.
- The typical Tioga County home is worth about $152,567 against a ~$67,150 median income.
- Lending headwind in Tioga County sits at 63/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 14817 | 37/100 |
| 2 | 13760 | 28/100 |
| 3 | 13835 | 22/100 |
| 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 ZIP codes in Tioga County (composite distress 0-100, 2026)
What is driving Tioga County distress
DLRadar builds Tioga County's distress picture only from records anyone can pull; its ZIPs average 20/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Tioga County market phase and pricing
Tioga County reads peak — home prices rose 1.8% over the last year and are 1.8% off their peak. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Tioga County
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Questions about this county
Which ZIP code leads Tioga County on distress?
ZIP 14817 leads Tioga County at 37/100, recomputed monthly from public records.
Where is Tioga County in the housing cycle?
The market phase for Tioga County is peak, prices rising 1.8% on the year — derived from the FHFA House Price Index path.
What are the sources behind these Tioga County numbers?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 15 Tioga County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Tioga County ZIP codes?
One county number flattens a wide range. Across the Tioga County ZIPs DLRadar ranks, scores run from 37/100 in 14817 down to 18/100 in 14883, against a Tioga County average of 20/100. A spread of 19 points means Tioga County has to be worked ZIP by ZIP.
What do Tioga County home values and vacancy say about distressed supply?
The typical Tioga County home carries about $152,567 of value against a median household income near $67,150. Vacancy across Tioga County's tracked ZIPs runs 8.6% and the poverty rate is 12%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Tioga County's foreclosure and tax-lien record and its 63/100 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.