Jefferson County, NY: Foreclosures, Tax Liens & Distressed Properties
Jefferson County, NY, New York: 43 ZIP codes scored, Jefferson County, NY averaging 21/100 (low, Jefferson, NY), from 16 to 31. Jefferson County, NY is in its expansion phase (Jefferson, NY confidence 100/100): Jefferson, NY home prices up 11.4% (Jefferson, NY) over twelve months. Jefferson County, NY lender headwind: 8/100.
Highest-scoring Jefferson County, NY ZIPs: 13646 (31/100), 13642 (30/100), 13083 (25/100), 13679 (24/100), 13608 (23/100), 13661 (22/100). Also scored in Jefferson County, NY: 13691, 13601, 13602, 13603, 13605, 13606, 13607, 13611, 13612, 13615.
Across Jefferson County, NY's scored ZIPs: median home value $202,603, household income $65,367, 33.6% vacancy, 13.9% poverty, 77% owner-occupied, median age 43.1.
Jefferson County, NY insurance distress 59/100 (#913 in the US); FEMA hazard 63/100 for Jefferson, NY; 2 federal disaster declarations in Jefferson County, NY since 2023; 1 Jefferson, NY NFIP flood claims, $5K paid; Jefferson, NY construction distress 14/100.
8 banks with 29 branches lend in Jefferson County, NY; Jefferson, NY weighted bank stress 44/100, highest 90/100 in Jefferson, NY.
Jefferson County, NY unemployment 4.2% (Jefferson, NY -2.2 pts, six months); 269 new housing units permitted in Jefferson County, NY over twelve months, Jefferson, NY up 36% from 198; Jefferson, NY home prices +6.2% a year (Jefferson, NY) over three years.
61,862 housing units in Jefferson County, NY; 21,423 Jefferson, NY renter households; 43% of Jefferson, NY renters spend 30%+ of income on rent, 19% (Jefferson, NY) half or more.
Jefferson County, NY ranks #1,296 nationally on the opportunity index (Jefferson, NY, among all ranked counties); Jefferson, NY scores 30.1/100 and Jefferson, NY sits #20 inside New York. Jefferson, NY is in the early_signal opportunity phase; Jefferson, NY's primary driver is vacancy, Jefferson, NY second driver bank institutional; Jefferson, NY moved up 925 places. 13 short-sale listings across Jefferson, NY; 59 days on market observed in Jefferson, NY; 20.5% vacancy over 43 Jefferson, NY ZIPs.
No CFPB county sample covers Jefferson County, NY. The non-metro area reading for Jefferson, NY: 0.8% ninety-plus days late; Jefferson, NY's thirty-to-eighty-nine share is 3.0% (Jefferson, NY, December 2025 data); New York overall 1.0%.
Jefferson County, NY has 7 watched banks; 7 Jefferson, NY banks sit in an elevated band. Jefferson, NY footprints: Watertown Savings Bank (10 branches, stress 23) in Jefferson, NY; Community Bank National Assn (6 branches, stress 68) in Jefferson, NY; Gouverneur Savings&Loan Assn (3 branches, stress 57) in Jefferson, NY.
HUD lists 9 assisted multifamily properties in Jefferson County, NY with 984 units; 136 Jefferson, NY units are assisted, 3 Jefferson, NY properties under project-based Section 8.
14,256 of the 61,862 housing units in Jefferson, NY sit vacant. Jefferson County, NY permitted 32 multifamily units in twelve months; Jefferson, NY's one-to-four unit structures added 237 units in Jefferson County, NY.