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

Cortland County, NY, New York: 18 ZIP codes scored, Cortland County, NY averaging 20/100 (low, Cortland, NY), from 17 to 29. Cortland County, NY is in its peak phase (Cortland, NY confidence 36/100): Cortland, NY home prices up 4.9% (Cortland, NY) over twelve months. Cortland County, NY lender headwind: 56/100.

Highest-scoring Cortland County, NY ZIPs: 13862 (29/100), 13136 (28/100), 13841 (27/100), 13835 (21/100), 13159 (19/100), 13040 (18/100). Also scored in Cortland County, NY: 13052, 13053, 13077, 13087, 13101, 13141, 13158, 13738, 13784, 13803.

Across Cortland County, NY's scored ZIPs: median home value $159,994, household income $70,206, 21.7% vacancy, 12.5% poverty, 81% owner-occupied, median age 40.6.

Cortland County, NY insurance distress 55/100 (#1,005 in the US); FEMA hazard 52/100 for Cortland, NY; 2 federal disaster declarations in Cortland County, NY since 2023 (2 flood); 2 Cortland, NY NFIP flood claims, $12K paid; Cortland, NY construction distress 2/100.

5 banks with 11 branches lend in Cortland County, NY; Cortland, NY weighted bank stress 61/100, highest 65/100 in Cortland, NY.

Cortland County, NY unemployment 4.5% (Cortland, NY -1.3 pts, six months); 101 new housing units permitted in Cortland County, NY over twelve months, Cortland, NY up 248% from 29; Cortland, NY home prices +8.3% a year (Cortland, NY) over three years.

20,841 housing units in Cortland County, NY; 6,308 Cortland, NY renter households; 42% of Cortland, NY renters spend 30%+ of income on rent, 24% (Cortland, NY) half or more.

Cortland County, NY ranks #1,460 nationally on the opportunity index (Cortland, NY, among all ranked counties); Cortland, NY scores 29.6/100 and Cortland, NY sits #24 inside New York. Cortland, NY is in the early_signal opportunity phase; Cortland, NY's primary driver is bank institutional, Cortland, NY second driver vacancy; Cortland, NY moved up 687 places. 5 short-sale listings across Cortland, NY; 113 days on market observed in Cortland, NY; 10.7% vacancy over 18 Cortland, NY ZIPs.

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

Cortland County, NY has 4 watched banks; 4 Cortland, NY banks sit in an elevated band. Cortland, NY footprints: Nbt Bank National Assn (4 branches, stress 61) in Cortland, NY; First Nb Of Dryden (2 branches, stress 54) in Cortland, NY; Tompkins Community Bank (1 branch, stress 65) in Cortland, NY.

HUD lists 3 assisted multifamily properties in Cortland County, NY with 305 units; 158 Cortland, NY units are assisted, 2 Cortland, NY properties under project-based Section 8.

1,842 of the 20,841 housing units in Cortland, NY sit vacant. Cortland County, NY permitted 76 multifamily units in twelve months; Cortland, NY's one-to-four unit structures added 25 units in Cortland County, NY.