Columbia County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Columbia County, New York? DLRadar grades every Columbia County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Columbia County breakdown.
- Columbia County's most distressed ZIP is 12062 at 24/100.
- 38 ZIP codes tracked in Columbia County, averaging 21/100 distress.
- Columbia County reads peak — home values up 4.9% year over year.
- Vacancy runs 20.1% across Columbia County's tracked ZIPs, with a 8.3% poverty rate.
- The typical Columbia County home is worth about $350,793 against a ~$89,904 median income.
- Lending headwind in Columbia County sits at 56/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 12062 | 24/100 |
| 2 | 12123 | 24/100 |
| 3 | 12156 | 24/100 |
| 4 | 12546 | 23/100 |
| 5 | 12571 | 23/100 |
| 6 | 12567 | 22/100 |
| 7 | 12583 | 22/100 |
| 8 | 12017 | 21/100 |
| 9 | 12024 | 21/100 |
| 10 | 12029 | 21/100 |
| 11 | 12037 | 21/100 |
| 12 | 12060 | 21/100 |
Most distressed ZIP codes in Columbia County (composite distress 0-100, 2026)
What is driving Columbia County distress
Columbia County's placement in the national index rests on public filings — a 21/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Columbia County market phase and pricing
The cycle in Columbia County is peak, with values up 4.9% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Columbia County
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Questions and answers
Which ZIP code leads Columbia County on distress?
ZIP 12062 leads Columbia County at 24/100, recomputed monthly from public records.
Which phase does Columbia County sit in right now?
Columbia County reads peak, with home prices up 4.9% year over year. Phase comes from FHFA House Price Index trajectory.
What is this Columbia County analysis built from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 38 Columbia County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Columbia County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Columbia County ZIPs DLRadar ranks, scores run from 24/100 in 12062 down to 21/100 in 12060, against a Columbia County average of 21/100. The 3-point range is the argument for ZIP-level search across Columbia County.
What do Columbia County home values and vacancy say about distressed supply?
The typical Columbia County home carries about $350,793 of value against a median household income near $89,904. Vacancy across Columbia County's tracked ZIPs runs 20.1% and the poverty rate is 8.3%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Columbia County's foreclosure and tax-lien filings and its 56/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.