Worcester County, MA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Worcester County, MA distress report, 2026: 87 ZIPs scored in Worcester, MA, Worcester, MA average 29/100; the top Worcester, MA ZIP is 01005 at 29/100; Worcester, MA market phase peak, Worcester, MA prices +2.5% year over year.
- Worcester, MA ranks #2,877 nationally (opportunity index); Worcester, MA #5 in Massachusetts; Worcester, MA index 24.0.
- Worcester, MA ninety-day mortgage delinquency 0.7% in December 2025; Worcester, MA twelve-month change +0.1%.
- Worcester, MA ZIP phases: 87 peak.
- Worcester, MA residential listings tracked: 156 across 60 ZIPs; Worcester, MA candidate listings 92.
- Worcester, MA HUD assisted properties: 63 with 8,429 units.
- Worcester, MA lenders on watch: 8; largest Worcester, MA footprint Cornerstone Bank (17 branches).
- Worcester, MA most distressed ZIP: 01005 at 29/100.
Worcester, MA figures: DLRadar distress index; Worcester, MA inputs: CFPB, FHFA, HUD, FDIC; Worcester, MA rebuilt as sources refresh.
| Rank | Worcester, MA ZIP | Score |
|---|---|---|
| 1 | 01005 | 29/100 |
| 2 | 01031 | 29/100 |
| 3 | 01037 | 29/100 |
| 4 | 01068 | 29/100 |
| 5 | 01074 | 29/100 |
| 6 | 01083 | 29/100 |
| 7 | 01092 | 29/100 |
| 8 | 01094 | 29/100 |
| 9 | 01331 | 29/100 |
| 10 | 01366 | 29/100 |
| 11 | 01368 | 29/100 |
| 12 | 01420 | 29/100 |
Most distressed Worcester, MA ZIPs (0-100, 2026)
Mortgage delinquency in Worcester, MA
0.7% of Worcester, MA mortgages were ninety-plus days late (Worcester, MA, December 2025); Worcester, MA thirty-to-eighty-nine days late: 2.1%; Worcester, MA twelve-month change +0.1%; Worcester, MA peak since 2008: 4.7% (January 2010); Massachusetts overall 0.6%. Worcester, MA ninety-day series: Dec 24 0.6, Jan 25 0.7, Feb 25 0.5 (Worcester, MA), Mar 25 0.6, Apr 25 0.6, May 25 0.7 (Worcester, MA), Jun 25 0.7, Jul 25 0.8, Aug 25 0.7 (Worcester, MA), Sep 25 0.7, Oct 25 0.6, Nov 25 0.6 (Worcester, MA), Dec 25 0.7.
Opportunity index: Worcester, MA
Worcester, MA index 24.0, Worcester, MA phase weak; Worcester, MA primary driver bank institutional, Worcester, MA second driver construction. Worcester, MA components: property stress 13.0, foreclosure pressure 10.6, listing discounts 19.5, bank stress 65.0, insurance 0.0; Worcester, MA pulse 28.3; Worcester, MA capital opportunity 17.5; Worcester, MA seven-day change +0.3%.
ZIP market phases inside Worcester, MA
87 Worcester, MA ZIPs carry a price-cycle phase; Worcester, MA ZIPs by phase (Worcester, MA), deepest drawdown first: peak, +2.5% YoY (Worcester, MA): 01005, 01031, 01037, 01068, Worcester, MA 01074, 01083, 01092, 01094, Worcester, MA 01331, 01366, 01368, 01420, Worcester, MA 01430, 01434; peak, +4.3% YoY (Worcester, MA): 01010; peak, +1.8% YoY (Worcester, MA): 01082.
Residential listings by Worcester, MA ZIP
Worcester, MA ZIPs with the most tracked Worcester, MA residential listings: 01570 10 listings, 6 candidates, bank pressure 72; 01535 8 listings, 6 candidates, bank pressure 72; 01473 6 listings, 3 candidates, bank pressure 72; 01507 6 listings, 5 candidates, bank pressure 72 (Worcester, MA); 01562 6 listings, 3 candidates, bank pressure 72; 01590 6 listings, 3 candidates, bank pressure 72; 01564 5 listings, 4 candidates, bank pressure 72; 01468 4 listings, 4 candidates, bank pressure 72. Worcester, MA totals: 156 listings; Worcester, MA candidates 92; active ZIPs 57.
HUD assisted housing in Worcester, MA
63 assisted properties with 8,429 units sit in Worcester, MA; largest Worcester, MA properties: Lincoln Village (Worcester) 1,213 units; Plumley Village East (Worcester) 430 units, 342 assisted; Shrewsbury Commons (Shrewsbury) 382 units in Worcester, MA; Riverside Village (Leominster) 312 units, 193 assisted; Seabury Heights (Worcester) 302 units, 300 assisted; Autumn Woods (Worcester) 274 units, 252 assisted.
Lenders with branches in Worcester, MA
Worcester, MA lenders by branch count: Cornerstone Bank (Worcester, MA): stress 82, 17 branches moderate in Worcester, MA; Unibank For Savings (Worcester, MA): stress 78, 14 branches moderate in Worcester, MA; Fidelity Coop Bank (Worcester, MA): stress 66, 11 branches moderate in Worcester, MA; Beacon Bank&Trust (Worcester, MA): stress 64, 11 branches moderate in Worcester, MA; Bankhometown (Worcester, MA): stress 71, 10 branches moderate in Worcester, MA; Rockland Trust Co (Worcester, MA): stress 43, 10 branches moderate in Worcester, MA; Clinton Savings Bank (Worcester, MA): stress 91, 8 branches low in Worcester, MA; Country Bank For Savings (Worcester, MA): stress 59, 8 branches moderate in Worcester, MA.
Vacancy and permits, Worcester, MA
19,359 of 355,185 Worcester, MA housing units are vacant; Worcester, MA permits, twelve months: 1,060 multifamily units in Worcester, MA, 766 one-to-four unit units.
Work Worcester, MA at the parcel level
Every Worcester, MA parcel carries owner and address; every Worcester, MA parcel carries APN; Worcester, MA distress scores sit on the Worcester, MA live board.
Worcester, MA figures refresh with each source.
Worcester, MA questions
Most distressed ZIP code in Worcester County, MA?
ZIP 01005 leads Worcester, MA at 29/100; next in Worcester, MA: 01031 at 29/100; the Worcester, MA average is 29/100.
Where does Worcester County, MA rank for investment opportunity?
Worcester, MA is #2,877 among all ranked counties, #5 in Massachusetts; the Worcester, MA driver is bank institutional; Worcester, MA moved down 221 places.
How many mortgages are delinquent in Worcester County, MA?
0.7% of Worcester, MA mortgages were ninety-plus days late in December 2025; the Worcester, MA peak since 2008 was 4.7%.
Which banks lend in Worcester County, MA?
8 watched lenders hold Worcester, MA branches; the largest Worcester, MA footprints are Cornerstone Bank (17), Unibank For Savings (14), Fidelity Coop Bank (11).
More on Worcester, MA
Worcester County, MA distress report: public-record figures for Worcester, MA; not legal advice for Worcester, MA; not tax or investment advice; verify every Worcester, MA record before acting.