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

Franklin County, NY, New York: 24 ZIP codes scored, Franklin County, NY averaging 23/100 (low, Franklin, NY), from 18 to 30. Franklin County, NY is in its expansion phase (Franklin, NY confidence 38/100): Franklin, NY home prices up 6.0% (Franklin, NY) over twelve months. Franklin County, NY lender headwind: 68/100.

Highest-scoring Franklin County, NY ZIPs: 12967 (30/100), 12986 (25/100), 12914 (24/100), 12980 (24/100), 12913 (23/100), 12915 (23/100). Also scored in Franklin County, NY: 12916, 12917, 12920, 12926, 12930, 12937, 12939, 12945, 12953, 12957.

Across Franklin County, NY's scored ZIPs: median home value $155,821, household income $65,058, 25.8% vacancy, 14.7% poverty, 77% owner-occupied, median age 43.6.

Franklin County, NY insurance distress 61/100 (#862 in the US); FEMA hazard 63/100 for Franklin, NY; 2 federal disaster declarations in Franklin County, NY since 2023; 1 Franklin, NY NFIP flood claims, $15K paid; Franklin, NY construction distress 51/100.

6 banks with 14 branches lend in Franklin County, NY; Franklin, NY weighted bank stress 69/100, highest 100/100 in Franklin, NY.

Franklin County, NY unemployment 4.2% (Franklin, NY -1.1 pts, six months); 109 new housing units permitted in Franklin County, NY over twelve months, Franklin, NY down 1% from 110; Franklin, NY home prices +9.5% a year (Franklin, NY) over three years.

25,494 housing units in Franklin County, NY; 5,542 Franklin, NY renter households; 37% of Franklin, NY renters spend 30%+ of income on rent, 17% (Franklin, NY) half or more.

Franklin County, NY ranks #1,089 nationally on the opportunity index (Franklin, NY, among all ranked counties); Franklin, NY scores 30.8/100 and Franklin, NY sits #16 inside New York. Franklin, NY is in the early_signal opportunity phase; Franklin, NY's primary driver is vacancy, Franklin, NY second driver bank institutional; Franklin, NY moved down 178 places. 1 short-sale listings across Franklin, NY; 73 days on market observed in Franklin, NY; 20.9% vacancy over 24 Franklin, NY ZIPs.

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

Franklin County, NY has 5 watched banks; 5 Franklin, NY banks sit in an elevated band. Franklin, NY footprints: Community Bank National Assn (6 branches, stress 68) in Franklin, NY; North Country Savings Bank (3 branches, stress 52) in Franklin, NY; Adirondack Bank (2 branches, stress 100) in Franklin, NY.

HUD lists 3 assisted multifamily properties in Franklin County, NY with 158 units; 30 Franklin, NY units are assisted.

5,980 of the 25,494 housing units in Franklin, NY sit vacant. Franklin County, NY permitted 0 multifamily units in twelve months; Franklin, NY's one-to-four unit structures added 109 units in Franklin County, NY.