Albany County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Albany County, New York? DLRadar grades every Albany County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Albany County breakdown.
- Albany County's most distressed ZIP is 12007 at 26/100.
- 47 ZIP codes tracked in Albany County, averaging 25/100 distress.
- Albany County reads expansion — home values up 6.6% year over year.
- Vacancy runs 12.4% across Albany County's tracked ZIPs, with a 9.8% poverty rate.
- The typical Albany County home is worth about $279,309 against a ~$86,123 median income.
- Lending headwind in Albany County sits at 58/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 12007 | 26/100 |
| 2 | 12009 | 26/100 |
| 3 | 12041 | 26/100 |
| 4 | 12045 | 26/100 |
| 5 | 12046 | 26/100 |
| 6 | 12047 | 26/100 |
| 7 | 12054 | 26/100 |
| 8 | 12059 | 26/100 |
| 9 | 12067 | 26/100 |
| 10 | 12077 | 26/100 |
| 11 | 12084 | 26/100 |
| 12 | 12085 | 26/100 |
Most distressed ZIP codes in Albany County (composite distress 0-100, 2026)
What is driving Albany County distress
DLRadar builds Albany County's distress picture only from records anyone can pull; its ZIPs average 25/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Albany County market phase and pricing
The cycle in Albany County is expansion, with values up 6.6% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Albany County
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Questions about this county
Where is distress highest inside Albany County, NY?
ZIP 12007 leads Albany County at 26/100, recomputed monthly from public records.
Which phase does Albany County sit in right now?
Albany County is classified expansion with a 6.6% year-over-year increase, following the FHFA House Price Index.
How is the Albany County data sourced?
Every Albany County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 47 Albany County ZIP codes that it runs on every other U.S. county, so Albany County's numbers are directly comparable to any other market.
How much do distress scores vary between Albany County ZIP codes?
The county figure is a blend, not a description. Across the Albany County ZIPs DLRadar ranks, scores run from 26/100 in 12007 down to 26/100 in 12085, against a Albany County average of 25/100. Because the gap runs to 0 points, Albany County rewards ZIP-level precision.
What do Albany County home values and vacancy say about distressed supply?
The typical Albany County home carries about $279,309 of value against a median household income near $86,123. Vacancy across Albany County's tracked ZIPs runs 12.4% and the poverty rate is 9.8%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Albany County's foreclosure and tax-lien filings and its 58/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.