Otsego County, NY: Foreclosures, Tax Liens & Distressed Properties
Otsego County, NY, New York: 46 ZIP codes scored, Otsego County, NY averaging 18/100 (low, Otsego, NY), from 11 to 28. Otsego County, NY is in its peak phase (Otsego, NY confidence 36/100): Otsego, NY home prices up 4.9% (Otsego, NY) over twelve months. Otsego County, NY lender headwind: 57/100.
Highest-scoring Otsego County, NY ZIPs: 13733 (28/100), 13750 (25/100), 13775 (25/100), 13838 (25/100), 13809 (23/100), 13843 (23/100). Also scored in Otsego County, NY: 13411, 13849, 13317, 13485, 13820, 13361, 12155, 13439, 13491, 13825.
Across Otsego County, NY's scored ZIPs: median home value $166,420, household income $67,121, 26.0% vacancy, 11.0% poverty, 80% owner-occupied, median age 45.7.
Otsego County, NY insurance distress 0/100 (#2,935 in the US); FEMA hazard 0/100 for Otsego, NY; Otsego, NY construction distress 59/100.
4 banks with 17 branches lend in Otsego County, NY; Otsego, NY weighted bank stress 65/100, highest 73/100 in Otsego, NY.
Otsego County, NY unemployment 4.4% (Otsego, NY -1.3 pts, six months); 117 new housing units permitted in Otsego County, NY over twelve months, Otsego, NY down 9% from 129; Otsego, NY home prices +8.7% a year (Otsego, NY) over three years.
30,057 housing units in Otsego County, NY; 5,801 Otsego, NY renter households; 40% of Otsego, NY renters spend 30%+ of income on rent, 17% (Otsego, NY) half or more.
Otsego County, NY ranks #1,311 nationally on the opportunity index (Otsego, NY, among all ranked counties); Otsego, NY scores 30.1/100 and Otsego, NY sits #20 inside New York. Otsego, NY is in the early_signal opportunity phase; Otsego, NY's primary driver is vacancy, Otsego, NY second driver construction; Otsego, NY moved down 244 places. 6 short-sale listings across Otsego, NY; 56 days on market observed in Otsego, NY; 24.0% vacancy over 46 Otsego, NY ZIPs.
No CFPB county sample covers Otsego County, NY. The non-metro area reading for Otsego, NY: 0.8% ninety-plus days late; Otsego, NY's thirty-to-eighty-nine share is 3.0% (Otsego, NY, December 2025 data); New York overall 1.0%.
Otsego County, NY has 2 watched banks; 2 Otsego, NY banks sit in an elevated band. Otsego, NY footprints: Nbt Bank National Assn (8 branches, stress 61) in Otsego, NY; Community Bank National Assn (5 branches, stress 68) in Otsego, NY.
HUD lists 2 assisted multifamily properties in Otsego County, NY with 58 units; 58 Otsego, NY units are assisted, 2 Otsego, NY properties under project-based Section 8.
6,868 of the 30,057 housing units in Otsego, NY sit vacant. Otsego County, NY permitted 0 multifamily units in twelve months; Otsego, NY's one-to-four unit structures added 117 units in Otsego County, NY.