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

Ontario County, NY, New York: 27 ZIP codes scored, Ontario County, NY averaging 23/100 (low, Ontario, NY), from 13 to 25. Ontario County, NY is in its peak phase (Ontario, NY confidence 49/100): Ontario, NY home prices up 3.7% (Ontario, NY) over twelve months. Ontario County, NY lender headwind: 72/100.

Highest-scoring Ontario County, NY ZIPs: 14424 (25/100), 14425 (25/100), 14432 (25/100), 14453 (25/100), 14463 (25/100), 14469 (25/100). Also scored in Ontario County, NY: 14471, 14475, 14504, 14512, 14537, 14548, 14561, 14564, 14585, 14532.

Across Ontario County, NY's scored ZIPs: median home value $203,515, household income $93,162, 9.2% vacancy, 8.5% poverty, 81% owner-occupied, median age 46.1.

Ontario County, NY insurance distress 65/100 (#794 in the US); FEMA hazard 63/100 for Ontario, NY; 2 federal disaster declarations in Ontario County, NY since 2023; 9 Ontario, NY NFIP flood claims, $28K paid; Ontario, NY construction distress 36/100.

11 banks with 27 branches lend in Ontario County, NY; Ontario, NY weighted bank stress 66/100, highest 76/100 in Ontario, NY.

Ontario County, NY unemployment 3.6% (Ontario, NY -0.9 pts, six months); 408 new housing units permitted in Ontario County, NY over twelve months, Ontario, NY up 14% from 358; Ontario, NY home prices +10.6% a year (Ontario, NY) over three years.

53,379 housing units in Ontario County, NY; 12,966 Ontario, NY renter households; 43% of Ontario, NY renters spend 30%+ of income on rent, 19% (Ontario, NY) half or more.

Ontario County, NY ranks #2,083 nationally on the opportunity index (Ontario, NY, among all ranked counties); Ontario, NY scores 27.4/100 and Ontario, NY sits #36 inside New York. Ontario, NY is in the weak opportunity phase; Ontario, NY's primary driver is bank institutional, Ontario, NY second driver vacancy; Ontario, NY moved down 8 places. 8 short-sale listings across Ontario, NY; 96 days on market observed in Ontario, NY; 9.2% vacancy over 27 Ontario, NY ZIPs.

No CFPB county sample covers Ontario County, NY. The metro area reading for Ontario, NY (Rochester, NY): 1.0% ninety-plus days late; Ontario, NY's thirty-to-eighty-nine share is 2.3% (Ontario, NY, December 2025 data); New York overall 1.0%.

Ontario County, NY has 5 watched banks; 5 Ontario, NY banks sit in an elevated band. Ontario, NY footprints: Canandaigua Nb&T Co (8 branches, stress 69) in Ontario, NY; Community Bank National Assn (4 branches, stress 68) in Ontario, NY; Five Star Bank (4 branches, stress 59) in Ontario, NY.

HUD lists 8 assisted multifamily properties in Ontario County, NY with 582 units; 366 Ontario, NY units are assisted, 5 Ontario, NY properties under project-based Section 8.

5,068 of the 53,379 housing units in Ontario, NY sit vacant. Ontario County, NY permitted 98 multifamily units in twelve months; Ontario, NY's one-to-four unit structures added 310 units in Ontario County, NY.