Niagara County, NY: Foreclosures, Tax Liens & Distressed Properties
Niagara County, NY, New York: 22 ZIP codes scored, Niagara County, NY averaging 22/100 (low, Niagara, NY), from 14 to 23. Niagara County, NY is in its peak phase (Niagara, NY confidence 34/100): Niagara, NY home prices up 4.1% (Niagara, NY) over twelve months. Niagara County, NY lender headwind: 49/100.
Highest-scoring Niagara County, NY ZIPs: 14174 (23/100), 14001 (22/100), 14008 (22/100), 14028 (22/100), 14067 (22/100), 14092 (22/100). Also scored in Niagara County, NY: 14094, 14108, 14109, 14120, 14126, 14131, 14132, 14172, 14301, 14302.
Across Niagara County, NY's scored ZIPs: median home value $198,565, household income $70,354, 14.0% vacancy, 15.4% poverty, 73% owner-occupied, median age 43.6.
Niagara County, NY insurance distress 25/100 (#1,956 in the US); FEMA hazard 0/100 for Niagara, NY; 11 Niagara, NY NFIP flood claims, $87K paid; Niagara, NY construction distress 38/100.
8 banks with 30 branches lend in Niagara County, NY; Niagara, NY weighted bank stress 61/100, highest 71/100 in Niagara, NY.
Niagara County, NY unemployment 4.7% (Niagara, NY -1.2 pts, six months); 223 new housing units permitted in Niagara County, NY over twelve months, Niagara, NY up 12% from 200; Niagara, NY home prices +9.5% a year (Niagara, NY) over three years.
100,446 housing units in Niagara County, NY; 26,623 Niagara, NY renter households; 45% of Niagara, NY renters spend 30%+ of income on rent, 23% (Niagara, NY) half or more.
Niagara County, NY ranks #2,003 nationally on the opportunity index (Niagara, NY, among all ranked counties); Niagara, NY scores 27.7/100 and Niagara, NY sits #34 inside New York. Niagara, NY is in the weak opportunity phase; Niagara, NY's primary driver is bank institutional, Niagara, NY second driver vacancy; Niagara, NY moved up 574 places. 10 short-sale listings across Niagara, NY; 85 days on market observed in Niagara, NY; 8.4% vacancy over 22 Niagara, NY ZIPs.
1.5% of Niagara County, NY mortgages were ninety-plus days late in December 2025; Niagara, NY's thirty-to-eighty-nine-day share was 3.2% (CFPB county sample). Niagara, NY's ninety-day rate is up 0.6 points on twelve months earlier; the Niagara, NY peak since 2008 was 2.8% in June 2013; New York overall reads 1.0%.
Niagara County, NY has 2 watched banks; 2 Niagara, NY banks sit in an elevated band. Niagara, NY footprints: Manufacturers&Traders Tr Co (4 branches, stress 52) in Niagara, NY; Nbt Bank National Assn (1 branch, stress 61) in Niagara, NY.
HUD lists 12 assisted multifamily properties in Niagara County, NY with 956 units; 729 Niagara, NY units are assisted, 4 Niagara, NY properties under project-based Section 8.
8,562 of the 100,446 housing units in Niagara, NY sit vacant. Niagara County, NY permitted 16 multifamily units in twelve months; Niagara, NY's one-to-four unit structures added 207 units in Niagara County, NY.