Columbia County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Columbia County, NY distress report, 2026: 38 ZIPs scored in Columbia, NY, Columbia, NY average 22/100; the top Columbia, NY ZIP is 12123 at 26/100; Columbia, NY market phase peak, Columbia, NY prices +4.9% year over year.
- Columbia, NY ranks #1,676 nationally (opportunity index); Columbia, NY #27 in New York; Columbia, NY index 28.8.
- Columbia, NY: no CFPB county sample; Columbia, NY non-metro area reading 0.8%.
- Columbia, NY ZIP phases: 35 peak, 3 expansion.
- Columbia, NY residential listings tracked: 19 across 31 ZIPs; Columbia, NY candidate listings 5.
- Columbia, NY HUD assisted properties: 3 with 192 units.
- Columbia, NY lenders on watch: 4; largest Columbia, NY footprint Bank Of Greene County (6 branches).
- Columbia, NY most distressed ZIP: 12123 at 26/100.
Columbia, NY figures: DLRadar distress index; Columbia, NY inputs: CFPB, FHFA, HUD, FDIC; Columbia, NY rebuilt as sources refresh.
| Rank | Columbia, NY ZIP | Score |
|---|---|---|
| 1 | 12123 | 26/100 |
| 2 | 12062 | 25/100 |
| 3 | 12156 | 25/100 |
| 4 | 12546 | 24/100 |
| 5 | 12567 | 24/100 |
| 6 | 12571 | 24/100 |
| 7 | 12583 | 24/100 |
| 8 | 12017 | 22/100 |
| 9 | 12024 | 22/100 |
| 10 | 12029 | 22/100 |
| 11 | 12037 | 22/100 |
| 12 | 12060 | 22/100 |
Most distressed Columbia, NY ZIPs (0-100, 2026)
Mortgage delinquency around Columbia, NY
No CFPB county sample covers Columbia, NY; the non-metro area reading for Columbia, NY: 0.8% ninety-plus; Columbia, NY area thirty-to-eighty-nine 3.0% (December 2025, Columbia, NY); New York overall 1.0%.
Opportunity index: Columbia, NY
Columbia, NY index 28.8, Columbia, NY phase early_signal; Columbia, NY primary driver vacancy, Columbia, NY second driver construction. Columbia, NY components: property stress 20.3, foreclosure pressure 21.0, listing discounts 13.3, bank stress 54.1, insurance 0.0; Columbia, NY pulse 35.6; Columbia, NY capital opportunity 18.6; Columbia, NY seven-day change +0.3%.
ZIP market phases inside Columbia, NY
38 Columbia, NY ZIPs carry a price-cycle phase; Columbia, NY ZIPs by phase (Columbia, NY), deepest drawdown first: peak, +4.9% YoY (Columbia, NY): 12017, 12024, 12029, 12037, Columbia, NY 12060, 12075, 12106, 12115, Columbia, NY 12125, 12130, 12132, 12136, Columbia, NY 12165; expansion, +6.4% YoY (Columbia, NY): 12062; expansion, +6.5% YoY (Columbia, NY): 12123; expansion, +6.1% YoY (Columbia, NY): 12156.
Residential listings by Columbia, NY ZIP
Columbia, NY ZIPs with the most tracked Columbia, NY residential listings: 12125 3 listings, 0 candidates, bank pressure 67; 12529 3 listings, 1 candidates, bank pressure 67; 12534 3 listings, 1 candidates, bank pressure 67; 12024 2 listings, 0 candidates, bank pressure 66 (Columbia, NY); 12037 2 listings, 0 candidates, bank pressure 67; 12017 1 listings, 0 candidates, bank pressure 67; 12029 1 listings, 0 candidates, bank pressure 67; 12075 1 listings, 1 candidates, bank pressure 67. Columbia, NY totals: 19 listings; Columbia, NY candidates 5; active ZIPs 4.
HUD assisted housing in Columbia, NY
3 assisted properties with 192 units sit in Columbia, NY; largest Columbia, NY properties: Providence Hall (Hudson) 101 units, 100 assisted; Schuyler Court Apts (Hudson) 51 units, 50 assisted; Greenport Manor (Hudson) 40 units, 39 assisted in Columbia, NY.
Lenders with branches in Columbia, NY
Columbia, NY lenders by branch count: Bank Of Greene County (Columbia, NY): stress 65, 6 branches low in Columbia, NY; Trustco Bank (Columbia, NY): stress 75, 3 branches low in Columbia, NY; Community Bank National Assn (Columbia, NY): stress 68, 3 branches low in Columbia, NY; Pioneer Bank National Assn (Columbia, NY): stress 68, 1 branch low in Columbia, NY.
Vacancy and permits, Columbia, NY
6,766 of 33,393 Columbia, NY housing units are vacant; Columbia, NY permits, twelve months: 5 multifamily units in Columbia, NY, 117 one-to-four unit units.
Work Columbia, NY at the parcel level
Every Columbia, NY parcel carries owner and address; every Columbia, NY parcel carries APN; Columbia, NY distress scores sit on the Columbia, NY live board.
Columbia, NY figures refresh with each source.
Columbia, NY questions
Most distressed ZIP code in Columbia County, NY?
ZIP 12123 leads Columbia, NY at 26/100; next in Columbia, NY: 12062 at 25/100; the Columbia, NY average is 22/100.
Where does Columbia County, NY rank for investment opportunity?
Columbia, NY is #1,676 among all ranked counties, #27 in New York; the Columbia, NY driver is vacancy; Columbia, NY moved down 714 places.
How many mortgages are delinquent in Columbia County, NY?
Columbia, NY takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Columbia, NY.
Which banks lend in Columbia County, NY?
4 watched lenders hold Columbia, NY branches; the largest Columbia, NY footprints are Bank Of Greene County (6), Trustco Bank (3), Community Bank National Assn (3).
More on Columbia, NY
Columbia County, NY distress report: public-record figures for Columbia, NY; not legal advice for Columbia, NY; not tax or investment advice; verify every Columbia, NY record before acting.