Chemung County, NY: Foreclosures, Tax Liens & Distressed Properties

Chemung County, NY, New York: 22 ZIP codes scored, Chemung County, NY averaging 15/100 (low, Chemung, NY), from 8 to 36. Chemung County, NY is in its peak phase (Chemung, NY confidence 56/100): Chemung, NY home prices up 4.0% (Chemung, NY) over twelve months, 2.4% under their peak. Chemung County, NY lender headwind: 68/100.

Highest-scoring Chemung County, NY ZIPs: 14867 (36/100), 14830 (32/100), 14871 (17/100), 14859 (16/100), 14892 (16/100), 14812 (15/100). Also scored in Chemung County, NY: 14814, 14816, 14825, 14845, 14861, 14872, 14894, 14901, 14903, 14904.

Across Chemung County, NY's scored ZIPs: median home value $145,752, household income $65,952, 10.2% vacancy, 13.5% poverty, 78% owner-occupied, median age 44.2.

Chemung County, NY insurance distress 5/100 (#2,471 in the US); FEMA hazard 0/100 for Chemung, NY; 1 Chemung, NY NFIP flood claims; Chemung, NY construction distress 33/100.

5 banks with 13 branches lend in Chemung County, NY; Chemung, NY weighted bank stress 61/100, highest 68/100 in Chemung, NY.

Chemung County, NY unemployment 4.2% (Chemung, NY -0.6 pts, six months); 117 new housing units permitted in Chemung County, NY over twelve months, Chemung, NY up 19% from 98; Chemung, NY home prices +7.8% a year (Chemung, NY) over three years.

39,252 housing units in Chemung County, NY; 10,532 Chemung, NY renter households; 49% of Chemung, NY renters spend 30%+ of income on rent, 30% (Chemung, NY) half or more.

Chemung County, NY ranks #1,309 nationally on the opportunity index (Chemung, NY, among all ranked counties); Chemung, NY scores 30.1/100 and Chemung, NY sits #20 inside New York. Chemung, NY is in the early_signal opportunity phase; Chemung, NY's primary driver is bank institutional, Chemung, NY second driver vacancy; Chemung, NY moved up 912 places. 6 short-sale listings across Chemung, NY; 78 days on market observed in Chemung, NY; 10.7% vacancy over 22 Chemung, NY ZIPs.

No CFPB county sample covers Chemung County, NY. The non-metro area reading for Chemung, NY: 0.8% ninety-plus days late; Chemung, NY's thirty-to-eighty-nine share is 3.0% (Chemung, NY, December 2025 data); New York overall 1.0%.

Chemung County, NY has 4 watched banks; 4 Chemung, NY banks sit in an elevated band. Chemung, NY footprints: Chemung Canal Trust Co (6 branches, stress 60) in Chemung, NY; Community Bank National Assn (3 branches, stress 68) in Chemung, NY; Five Star Bank (2 branches, stress 59) in Chemung, NY.

HUD lists 3 assisted multifamily properties in Chemung County, NY with 212 units; 51 Chemung, NY units are assisted.

3,990 of the 39,252 housing units in Chemung, NY sit vacant. Chemung County, NY permitted 82 multifamily units in twelve months; Chemung, NY's one-to-four unit structures added 35 units in Chemung County, NY.