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

Every ZIP in Tioga County, New York carries a DLRadar distress score assembled from foreclosure, tax, mortgage and lender records. ZIP-level distress ranges from 37/100 at the top down to 12/100. Coverage runs to 15 ZIPs across Tioga County, a low 20/100 average. The county's lending-headwind score sits at 63/100 (elevated).

The peak-phase county posted home values that rose 1.8% over twelve months, now 1.8% off the recent peak (phase confidence 46/100). At this stage of the cycle, the average masks the outliers leaving the wins in individual deals.

With Tioga County flat at +1.8% YoY (46/100 confidence), the wins are surgical so the headline market won't hand it over. Bank stress at 63/100 is a buyer tailwind: banks under pressure move REO faster.

By composite, 14817 (37/100), 13760 (27/100), 13835 (22/100), 13736 (19/100), 13811 (19/100), 13732 (18/100) top the county — tap any ZIP to go deeper. The breakdown continues through 13734, 13743, 13812, 13827, 13864, 14883, 14859, 14892, 14889 and more.

Profile-wise, Tioga County's tracked footprint come in at a median household income near $67,150 (below the US norm), home values averaging roughly $152,567, below the US, 12% of households below the poverty line, residents with a median age around 44.6, 8.6% of units sitting vacant, 78% owner-occupancy. These fundamentals frame the kind of distress to expect and the buyer pool on exit.

Tioga County, New York's 20/100 average over 15 ZIPs says the edge is selective acquisition where the ZIP scores point. A DLRadar subscription opens every Tioga County parcel: owner, address and APN, a distress score plus a funding-to-closing path.

The distress read for Tioga County, New York is refreshed as new public records post and uses the same methodology coast to coast, so Tioga County stays directly comparable to any other market you track.

Approach Tioga County by rank rather than by average — the 20/100 county figure conceals the spread, since the returns live in the top-scoring ZIPs. The Tioga County scoring is reproducible from public sources alone, and DLRadar declines to estimate where the underlying record is incomplete.

Drilling in, Tioga County's highest-scoring ZIPs are 14817 (37/100), 13760 (27/100), 13835 (22/100), 13736 (19/100), 13811 (19/100), 13732 (18/100). DLRadar also scores 13734, 13743, 13812, 13827, 13864, 14883, 14859, 14892 and more across the county. Every one of these is scored independently — a ZIP's composite reflects its own recorded distress, which is why the county average alone hides where the real pressure sits.

Under Tioga County's headline composite sit distinct layers — recorded foreclosures, tax and lien delinquency, mortgage stress and bank headwind — each scored separately before they roll up, so the same total can describe very different markets.