Tompkins County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Tompkins County, New York? DLRadar grades every Tompkins County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 37/100. Here is the 2026 Tompkins County breakdown.
- Tompkins County's most distressed ZIP is 13062 at 37/100.
- 18 ZIP codes tracked in Tompkins County, averaging 30/100 distress.
- Tompkins County reads contraction — home values down 5.2% year over year, 6.7% off peak.
- Vacancy runs 7.2% across Tompkins County's tracked ZIPs, with a 12.1% poverty rate.
- The typical Tompkins County home is worth about $222,367 against a ~$70,577 median income.
- Lending headwind in Tompkins County sits at 77/100 — 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 | 13062 | 37/100 |
| 2 | 13068 | 37/100 |
| 3 | 13073 | 37/100 |
| 4 | 13102 | 37/100 |
| 5 | 14817 | 37/100 |
| 6 | 14850 | 37/100 |
| 7 | 14853 | 37/100 |
| 8 | 14854 | 37/100 |
| 9 | 14867 | 37/100 |
| 10 | 14881 | 37/100 |
| 11 | 14882 | 37/100 |
| 12 | 13045 | 21/100 |
Most distressed ZIP codes in Tompkins County (composite distress 0-100, 2026)
What is driving Tompkins County distress
DLRadar builds Tompkins County's distress picture only from records anyone can pull; its ZIPs average 30/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Tompkins County market phase and pricing
The cycle in Tompkins County is contraction, with values down 5.2% year over year and 6.7% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Questions about this county
Where is distress highest inside Tompkins County, NY?
ZIP 13062 leads Tompkins County at 37/100, recomputed monthly from public records.
What stage of the price cycle is Tompkins County at?
Phase for Tompkins County: contraction, tracking a 5.2% decline year over year, read off the FHFA index.
How is the Tompkins County data sourced?
The inputs are all public: FHFA for the contraction path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 18 ZIP codes in Tompkins County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Tompkins County ZIP codes?
One county number flattens a wide range. Across the Tompkins County ZIPs DLRadar ranks, scores run from 37/100 in 13062 down to 21/100 in 13045, against a Tompkins County average of 30/100. The 16-point range is the argument for ZIP-level search across Tompkins County.
What do Tompkins County home values and vacancy say about distressed supply?
The typical Tompkins County home carries about $222,367 of value against a median household income near $70,577. Vacancy across Tompkins County's tracked ZIPs runs 7.2% and the poverty rate is 12.1%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Tompkins County's foreclosure and tax-lien filings and its 77/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.