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

Herkimer County, New York is mapped parcel-to-ZIP by DLRadar's public-record distress engine. County-level credit and bank headwind reads 41/100. There are 29 scored ZIPs in the county (mean composite 20/100). Across its ZIPs, composite distress spans 16 to 23 out of 100.

The expansion-phase county posted home values that rose 9.6% over twelve months, at 85/100 phase confidence. Under a rising market, pockets of distress persist which the scoring still flags.

At +9.6% YoY (85/100 confidence), distress still hides in specific ZIPs where the scoring still flags pressure. A mid-cycle 41/100 lender reading means both signal sets in play here.

Highest scores land in 13501 (23/100), 13304 (22/100), 13329 (22/100), 13413 (22/100), 13438 (22/100), 13456 (22/100); each opens to a full parcel breakdown. Coverage extends to 13470, 13502, 13322, 13339, 13324, 13331, 13338, 13340, 13350, 13357 among others.

Profile-wise, Herkimer County's scored ZIPs run a median household income near $65,373 (below the US norm), 25.6% of units sitting vacant, poverty running near 11.6%, an owner-occupied share of 80%, typical home values near $195,548, a median age of 46.1. Taken together, they signal both the distress on offer and the exit velocity.

At 20/100 composite over 29 ZIPs, Herkimer County rewards parcel-by-parcel work rather than a blanket buy. Subscribers get each Herkimer County parcel's owner, address and APN, a parcel-level score plus bank exposure and liquidity read.

Because Herkimer County, New York is scored on the identical public-record model used nationwide, even a quiet county is measured on one scale — letting you weigh Herkimer County against neighboring markets or the rest of New York on equal footing.

Read Herkimer County, New York as a heat map for effort — the county's low composite of 20/100 hides wide ZIP-level variation, and the return comes from chasing the hot ZIPs, not the average. All Herkimer County inputs are public record — recorder, court, FHFA and FDIC — and the score is rebuilt on ingest rather than modelled forward.

Drilling in, Herkimer County's highest-scoring ZIPs are 13501 (23/100), 13304 (22/100), 13329 (22/100), 13413 (22/100), 13438 (22/100), 13456 (22/100). DLRadar also scores 13470, 13502, 13322, 13339, 13324, 13331, 13338, 13340 and more across the county. Every one of these is scored independently — a ZIP's composite reflects its own recorded distress, which is why the county average alone hides where the real pressure sits.

The Herkimer County score is not a single measure but a composite: foreclosure activity, mortgage and tax-lien stress, and local lender headwind each feed it, which is why understanding the components matters as much as the headline number.