Warren County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Warren County, New York? DLRadar grades every Warren County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Warren County breakdown.
- Warren County's most distressed ZIP is 12857 at 24/100.
- 27 ZIP codes tracked in Warren County, averaging 14/100 distress.
- Warren County reads expansion — home values up 9.1% year over year.
- Vacancy runs 44.1% across Warren County's tracked ZIPs, with a 8.8% poverty rate.
- The typical Warren County home is worth about $292,340 against a ~$78,899 median income.
- Lending headwind in Warren County sits at 60/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 12857 | 24/100 |
| 2 | 12870 | 24/100 |
| 3 | 12835 | 22/100 |
| 4 | 12839 | 16/100 |
| 5 | 12844 | 14/100 |
| 6 | 12801 | 13/100 |
| 7 | 12804 | 13/100 |
| 8 | 12808 | 13/100 |
| 9 | 12810 | 13/100 |
| 10 | 12811 | 13/100 |
| 11 | 12814 | 13/100 |
| 12 | 12815 | 13/100 |
Most distressed ZIP codes in Warren County (composite distress 0-100, 2026)
What is driving Warren County distress
Nothing here is estimated: Warren County is scored from filings alone, and its ZIPs average 14/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Warren County market phase and pricing
Warren County currently sits in expansion after a 9.1% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Warren County
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Questions about this county
What is the most distressed ZIP code in Warren County, NY?
ZIP 12857 leads Warren County at 24/100, recomputed monthly from public records.
What market phase is Warren County in?
The market phase for Warren County is expansion, prices rising 9.1% on the year — derived from the FHFA House Price Index path.
Which datasets feed the Warren 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 27 Warren 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 Warren County ZIP codes?
One county number flattens a wide range. Across the Warren County ZIPs DLRadar ranks, scores run from 24/100 in 12857 down to 13/100 in 12815, against a Warren County average of 14/100. That 11-point gap is why acquisition targeting in Warren County works at ZIP level rather than county level.
What do Warren County home values and vacancy say about distressed supply?
The typical Warren County home carries about $292,340 of value against a median household income near $78,899. Vacancy across Warren County's tracked ZIPs runs 44.1% and the poverty rate is 8.8%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Warren County's foreclosure and tax-lien record and its 60/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.