Warren County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Warren County, NY distress report, 2026: 27 ZIPs scored in Warren, NY, Warren, NY average 13/100; the top Warren, NY ZIP is 12835 at 23/100; Warren, NY market phase expansion, Warren, NY prices +9.1% year over year.
- Warren, NY ranks #2,423 nationally (opportunity index); Warren, NY #46 in New York; Warren, NY index 26.2.
- Warren, NY: no CFPB county sample; Warren, NY non-metro area reading 0.8%.
- Warren, NY ZIP phases: 27 expansion.
- Warren, NY residential listings tracked: 21 across 22 ZIPs; Warren, NY candidate listings 7.
- Warren, NY HUD assisted properties: 1 with 41 units.
- Warren, NY lenders on watch: 6; largest Warren, NY footprint Arrow Bank National Assn (9 branches).
- Warren, NY most distressed ZIP: 12835 at 23/100.
Warren, NY figures: DLRadar distress index; Warren, NY inputs: CFPB, FHFA, HUD, FDIC; Warren, NY rebuilt as sources refresh.
| Rank | Warren, NY ZIP | Score |
|---|---|---|
| 1 | 12835 | 23/100 |
| 2 | 12857 | 22/100 |
| 3 | 12870 | 22/100 |
| 4 | 12839 | 17/100 |
| 5 | 12844 | 14/100 |
| 6 | 12836 | 12/100 |
| 7 | 12853 | 12/100 |
| 8 | 12801 | 11/100 |
| 9 | 12804 | 11/100 |
| 10 | 12808 | 11/100 |
| 11 | 12810 | 11/100 |
| 12 | 12811 | 11/100 |
Most distressed Warren, NY ZIPs (0-100, 2026)
Mortgage delinquency around Warren, NY
No CFPB county sample covers Warren, NY; the non-metro area reading for Warren, NY: 0.8% ninety-plus; Warren, NY area thirty-to-eighty-nine 3.0% (December 2025, Warren, NY); New York overall 1.0%.
Opportunity index: Warren, NY
Warren, NY index 26.2, Warren, NY phase weak; Warren, NY primary driver vacancy, Warren, NY second driver bank institutional. Warren, NY components: property stress 20.0, foreclosure pressure 17.4, listing discounts 22.3, bank stress 61.9, insurance 0.0; Warren, NY pulse 30.0; Warren, NY capital opportunity 20.6.
ZIP market phases inside Warren, NY
27 Warren, NY ZIPs carry a price-cycle phase; Warren, NY ZIPs by phase (Warren, NY), deepest drawdown first: expansion, +9.1% YoY (Warren, NY): 12801, 12804, 12808, 12810, Warren, NY 12811, 12814, 12815, 12817, Warren, NY 12820, 12824, 12839, 12843, Warren, NY 12844, 12845; expansion, +6.6% YoY (Warren, NY): 12835; expansion, +9.0% YoY (Warren, NY): 12836.
Residential listings by Warren, NY ZIP
Warren, NY ZIPs with the most tracked Warren, NY residential listings: 12885 6 listings, 4 candidates, bank pressure 67; 12801 4 listings, 0 candidates, bank pressure 67; 12810 3 listings, 1 candidates, bank pressure 67; 12817 2 listings, 0 candidates, bank pressure 67 (Warren, NY); 12846 2 listings, 0 candidates, bank pressure 67; 12804 1 listings, 1 candidates, bank pressure 67; 12814 1 listings, 0 candidates, bank pressure 67; 12853 1 listings, 1 candidates, bank pressure 70. Warren, NY totals: 21 listings; Warren, NY candidates 7; active ZIPs 5.
HUD assisted housing in Warren, NY
1 assisted properties with 41 units sit in Warren, NY; largest Warren, NY properties: Solomon Heights (Queensbury) 41 units, 40 assisted.
Lenders with branches in Warren, NY
Warren, NY lenders by branch count: Arrow Bank National Assn (Warren, NY): stress 70, 9 branches low in Warren, NY; Trustco Bank (Warren, NY): stress 75, 4 branches low in Warren, NY; Adirondack Trust Co (Warren, NY): stress 66, 3 branches low in Warren, NY; Nbt Bank National Assn (Warren, NY): stress 61, 2 branches low in Warren, NY; Community Bank National Assn (Warren, NY): stress 68, 1 branch low in Warren, NY; Pioneer Bank National Assn (Warren, NY): stress 68, 1 branch low in Warren, NY.
Vacancy and permits, Warren, NY
10,209 of 40,342 Warren, NY housing units are vacant; Warren, NY permits, twelve months: 86 multifamily units in Warren, NY, 188 one-to-four unit units.
Work Warren, NY at the parcel level
Every Warren, NY parcel carries owner and address; every Warren, NY parcel carries APN; Warren, NY distress scores sit on the Warren, NY live board.
Warren, NY figures refresh with each source.
Warren, NY questions
Most distressed ZIP code in Warren County, NY?
ZIP 12835 leads Warren, NY at 23/100; next in Warren, NY: 12857 at 22/100; the Warren, NY average is 13/100.
Where does Warren County, NY rank for investment opportunity?
Warren, NY is #2,423 among all ranked counties, #46 in New York; the Warren, NY driver is vacancy; Warren, NY moved down 107 places.
How many mortgages are delinquent in Warren County, NY?
Warren, NY takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Warren, NY.
Which banks lend in Warren County, NY?
6 watched lenders hold Warren, NY branches; the largest Warren, NY footprints are Arrow Bank National Assn (9), Trustco Bank (4), Adirondack Trust Co (3).
More on Warren, NY
Warren County, NY distress report: public-record figures for Warren, NY; not legal advice for Warren, NY; not tax or investment advice; verify every Warren, NY record before acting.