Herkimer County, NY: Foreclosures, Tax Liens & Distressed Properties
Herkimer County, NY, New York: 29 ZIP codes scored, Herkimer County, NY averaging 20/100 (low, Herkimer, NY), from 15 to 22. Herkimer County, NY is in its expansion phase (Herkimer, NY confidence 85/100): Herkimer, NY home prices up 9.6% (Herkimer, NY) over twelve months. Herkimer County, NY lender headwind: 41/100.
Highest-scoring Herkimer County, NY ZIPs: 13304 (22/100), 13413 (22/100), 13456 (22/100), 13501 (22/100), 13329 (21/100), 13339 (21/100). Also scored in Herkimer County, NY: 13438, 13470, 13502, 13322, 13324, 13331, 13338, 13340, 13350, 13357.
Across Herkimer County, NY's scored ZIPs: median home value $195,548, household income $65,373, 25.6% vacancy, 11.6% poverty, 80% owner-occupied, median age 46.1.
Herkimer County, NY insurance distress 22/100 (#2,069 in the US); FEMA hazard 0/100 for Herkimer, NY; 3 Herkimer, NY NFIP flood claims, $26K paid; Herkimer, NY construction distress 50/100.
6 banks with 14 branches lend in Herkimer County, NY; Herkimer, NY weighted bank stress 73/100, highest 100/100 in Herkimer, NY.
Herkimer County, NY unemployment 4.2% (Herkimer, NY -1.7 pts, six months); 41 new housing units permitted in Herkimer County, NY over twelve months, Herkimer, NY up 0% from 41; Herkimer, NY home prices +9.9% a year (Herkimer, NY) over three years.
32,459 housing units in Herkimer County, NY; 6,130 Herkimer, NY renter households; 37% of Herkimer, NY renters spend 30%+ of income on rent, 20% (Herkimer, NY) half or more.
Herkimer County, NY ranks #701 nationally on the opportunity index (Herkimer, NY, among all ranked counties); Herkimer, NY scores 32.4/100 and Herkimer, NY sits #10 inside New York. Herkimer, NY is in the watchlist opportunity phase; Herkimer, NY's primary driver is vacancy, Herkimer, NY second driver bank institutional; Herkimer, NY moved up 150 places. 10 short-sale listings across Herkimer, NY; 98 days on market observed in Herkimer, NY; 15.3% vacancy over 29 Herkimer, NY ZIPs.
No CFPB county sample covers Herkimer County, NY. The metro area reading for Herkimer, NY (Utica-Rome, NY): 1.7% ninety-plus days late; Herkimer, NY's thirty-to-eighty-nine share is 2.5% (Herkimer, NY, December 2025 data); New York overall 1.0%.
Herkimer County, NY has 4 watched banks; 4 Herkimer, NY banks sit in an elevated band. Herkimer, NY footprints: Adirondack Bank (5 branches, stress 100) in Herkimer, NY; Manufacturers&Traders Tr Co (4 branches, stress 52) in Herkimer, NY; Community Bank National Assn (1 branch, stress 68) in Herkimer, NY.
HUD lists 3 assisted multifamily properties in Herkimer County, NY with 123 units; 123 Herkimer, NY units are assisted, 2 Herkimer, NY properties under project-based Section 8.
6,718 of the 32,459 housing units in Herkimer, NY sit vacant. Herkimer County, NY permitted 0 multifamily units in twelve months; Herkimer, NY's one-to-four unit structures added 41 units in Herkimer County, NY.