Albany County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Albany County, NY distress report, 2026: 47 ZIPs scored in Albany, NY, Albany, NY average 25/100; the top Albany, NY ZIP is 12007 at 26/100; Albany, NY market phase expansion, Albany, NY prices +6.6% year over year.
- Albany, NY ranks #2,204 nationally (opportunity index); Albany, NY #41 in New York; Albany, NY index 27.0.
- Albany, NY ninety-day mortgage delinquency 0.8% in December 2025; Albany, NY twelve-month change -0.2%.
- Albany, NY ZIP phases: 47 expansion.
- Albany, NY residential listings tracked: 125 across 39 ZIPs; Albany, NY candidate listings 27.
- Albany, NY HUD assisted properties: 23 with 1,802 units.
- Albany, NY lenders on watch: 8; largest Albany, NY footprint Trustco Bank (18 branches).
- Albany, NY most distressed ZIP: 12007 at 26/100.
Albany, NY figures: DLRadar distress index; Albany, NY inputs: CFPB, FHFA, HUD, FDIC; Albany, NY rebuilt as sources refresh.
| Rank | Albany, NY ZIP | Score |
|---|---|---|
| 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 Albany, NY ZIPs (0-100, 2026)
Mortgage delinquency in Albany, NY
0.8% of Albany, NY mortgages were ninety-plus days late (Albany, NY, December 2025); Albany, NY thirty-to-eighty-nine days late: 1.7%; Albany, NY twelve-month change -0.2%; Albany, NY peak since 2008: 3.7% (April 2012); New York overall 1.0%. Albany, NY ninety-day series: Dec 24 1.0, Jan 25 0.7, Feb 25 0.7 (Albany, NY), Mar 25 0.9, Apr 25 0.7, May 25 0.7 (Albany, NY), Jun 25 0.5, Jul 25 0.7, Aug 25 0.7 (Albany, NY), Sep 25 0.8, Oct 25 0.8, Nov 25 0.7 (Albany, NY), Dec 25 0.8.
Opportunity index: Albany, NY
Albany, NY index 27.0, Albany, NY phase weak; Albany, NY primary driver construction, Albany, NY second driver bank institutional. Albany, NY components: property stress 12.8, foreclosure pressure 10.2, listing discounts 26.6, bank stress 59.2, insurance 0.0; Albany, NY pulse 30.7; Albany, NY capital opportunity 21.5; Albany, NY seven-day change +0.1%.
ZIP market phases inside Albany, NY
47 Albany, NY ZIPs carry a price-cycle phase; Albany, NY ZIPs by phase (Albany, NY), deepest drawdown first: expansion, +6.6% YoY (Albany, NY): 12007, 12009, 12023, 12041, Albany, NY 12045, 12046, 12047, 12054, Albany, NY 12059, 12067, 12077, 12084, Albany, NY 12085; expansion, +6.5% YoY (Albany, NY): 12053; expansion, +6.3% YoY (Albany, NY): 12083; expansion, +6.0% YoY (Albany, NY): 12087.
Residential listings by Albany, NY ZIP
Albany, NY ZIPs with the most tracked Albany, NY residential listings: 12203 21 listings, 1 candidates, bank pressure 68; 12208 19 listings, 1 candidates, bank pressure 68; 12209 15 listings, 4 candidates, bank pressure 68; 12205 13 listings, 1 candidates, bank pressure 68 (Albany, NY); 12202 11 listings, 1 candidates, bank pressure 68; 12206 10 listings, 1 candidates, bank pressure 68; 12210 9 listings, 0 candidates, bank pressure 68; 12047 6 listings, 4 candidates, bank pressure 68. Albany, NY totals: 125 listings; Albany, NY candidates 27; active ZIPs 21.
HUD assisted housing in Albany, NY
23 assisted properties with 1,802 units sit in Albany, NY; largest Albany, NY properties: Capital Green Apts. (Albany) 308 units; Parkview Apartments (Albany) 182 units, 118 assisted; Albany Lofts At One Broadway (Menands) 145 units in Albany, NY; Capital Woods (Albany) 140 units; Harmony Mills Phase Ii Fallsview (Cohoes) 135 units; Ogden Mill Apts. (Cohoes) 115 units, 115 assisted.
Lenders with branches in Albany, NY
Albany, NY lenders by branch count: Trustco Bank (Albany, NY): stress 75, 18 branches low in Albany, NY; Pioneer Bank National Assn (Albany, NY): stress 68, 9 branches low in Albany, NY; Community Bank National Assn (Albany, NY): stress 68, 6 branches low in Albany, NY; Manufacturers&Traders Tr Co (Albany, NY): stress 52, 6 branches low in Albany, NY; Ballston Spa National Bank (Albany, NY): stress 90, 5 branches low in Albany, NY; Nbt Bank National Assn (Albany, NY): stress 61, 4 branches low in Albany, NY; Chemung Canal Trust Co (Albany, NY): stress 60, 4 branches low in Albany, NY; Bank Of Greene County (Albany, NY): stress 65, 3 branches low in Albany, NY.
Vacancy and permits, Albany, NY
12,959 of 147,662 Albany, NY housing units are vacant; Albany, NY permits, twelve months: 294 multifamily units in Albany, NY, 272 one-to-four unit units.
Work Albany, NY at the parcel level
Every Albany, NY parcel carries owner and address; every Albany, NY parcel carries APN; Albany, NY distress scores sit on the Albany, NY live board.
Albany, NY figures refresh with each source.
Albany, NY questions
Most distressed ZIP code in Albany County, NY?
ZIP 12007 leads Albany, NY at 26/100; next in Albany, NY: 12009 at 26/100; the Albany, NY average is 25/100.
Where does Albany County, NY rank for investment opportunity?
Albany, NY is #2,204 among all ranked counties, #41 in New York; the Albany, NY driver is construction; Albany, NY moved down 67 places.
How many mortgages are delinquent in Albany County, NY?
0.8% of Albany, NY mortgages were ninety-plus days late in December 2025; the Albany, NY peak since 2008 was 3.7%.
Which banks lend in Albany County, NY?
8 watched lenders hold Albany, NY branches; the largest Albany, NY footprints are Trustco Bank (18), Pioneer Bank National Assn (9), Community Bank National Assn (6).
More on Albany, NY
Albany County, NY distress report: public-record figures for Albany, NY; not legal advice for Albany, NY; not tax or investment advice; verify every Albany, NY record before acting.