Dutchess County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Dutchess County, NY distress report, 2026: 35 ZIPs scored in Dutchess, NY, Dutchess, NY average 25/100; the top Dutchess, NY ZIP is 12501 at 25/100; Dutchess, NY market phase peak, Dutchess, NY prices +2.9% year over year.
- Dutchess, NY ranks #2,872 nationally (opportunity index); Dutchess, NY #57 in New York; Dutchess, NY index 24.0.
- Dutchess, NY ninety-day mortgage delinquency 1.1% in December 2025; Dutchess, NY twelve-month change +0.3%.
- Dutchess, NY ZIP phases: 35 peak.
- Dutchess, NY residential listings tracked: 54 across 34 ZIPs; Dutchess, NY candidate listings 32.
- Dutchess, NY HUD assisted properties: 14 with 1,608 units.
- Dutchess, NY lenders on watch: 8; largest Dutchess, NY footprint Manufacturers&Traders Tr Co (11 branches).
- Dutchess, NY most distressed ZIP: 12501 at 25/100.
Dutchess, NY figures: DLRadar distress index; Dutchess, NY inputs: CFPB, FHFA, HUD, FDIC; Dutchess, NY rebuilt as sources refresh.
| Rank | Dutchess, NY ZIP | Score |
|---|---|---|
| 1 | 12501 | 25/100 |
| 2 | 12504 | 25/100 |
| 3 | 12507 | 25/100 |
| 4 | 12508 | 25/100 |
| 5 | 12512 | 25/100 |
| 6 | 12514 | 25/100 |
| 7 | 12522 | 25/100 |
| 8 | 12524 | 25/100 |
| 9 | 12527 | 25/100 |
| 10 | 12538 | 25/100 |
| 11 | 12540 | 25/100 |
| 12 | 12545 | 25/100 |
Most distressed Dutchess, NY ZIPs (0-100, 2026)
Mortgage delinquency in Dutchess, NY
1.1% of Dutchess, NY mortgages were ninety-plus days late (Dutchess, NY, December 2025); Dutchess, NY thirty-to-eighty-nine days late: 2.5%; Dutchess, NY twelve-month change +0.3%; Dutchess, NY peak since 2008: 5.8% (March 2012); New York overall 1.0%. Dutchess, NY ninety-day series: Dec 24 0.8, Jan 25 1.1, Feb 25 1.0 (Dutchess, NY), Mar 25 0.9, Apr 25 1.0, May 25 1.0 (Dutchess, NY), Jun 25 1.1, Jul 25 1.2, Aug 25 1.0 (Dutchess, NY), Sep 25 0.9, Oct 25 1.0, Nov 25 1.3 (Dutchess, NY), Dec 25 1.1.
Opportunity index: Dutchess, NY
Dutchess, NY index 24.0, Dutchess, NY phase weak; Dutchess, NY primary driver construction, Dutchess, NY second driver bank institutional. Dutchess, NY components: property stress 9.2, foreclosure pressure 6.0, listing discounts 22.8, bank stress 60.4, insurance 0.0; Dutchess, NY pulse 27.4; Dutchess, NY capital opportunity 18.9.
ZIP market phases inside Dutchess, NY
35 Dutchess, NY ZIPs carry a price-cycle phase; Dutchess, NY ZIPs by phase (Dutchess, NY), deepest drawdown first: peak, +4.9% YoY (Dutchess, NY): 10512; peak, +2.9% YoY (Dutchess, NY): 12501, 12504, 12507, 12508, Dutchess, NY 12512, 12514, 12522, 12524, Dutchess, NY 12527, 12538, 12540, 12545; peak, +3.2% YoY (Dutchess, NY): 12531; peak, +3.1% YoY (Dutchess, NY): 12533; peak, +3.3% YoY (Dutchess, NY): 12546.
Residential listings by Dutchess, NY ZIP
Dutchess, NY ZIPs with the most tracked Dutchess, NY residential listings: 12603 13 listings, 4 candidates, bank pressure 67; 12533 6 listings, 5 candidates, bank pressure 64; 12590 5 listings, 1 candidates, bank pressure 67; 12531 4 listings, 4 candidates, bank pressure 64 (Dutchess, NY); 12569 4 listings, 4 candidates, bank pressure 67; 12540 3 listings, 1 candidates, bank pressure 67; 12570 3 listings, 2 candidates, bank pressure 67; 12580 3 listings, 2 candidates, bank pressure 67. Dutchess, NY totals: 54 listings; Dutchess, NY candidates 32; active ZIPs 18.
HUD assisted housing in Dutchess, NY
14 assisted properties with 1,608 units sit in Dutchess, NY; largest Dutchess, NY properties: Hudson View Park Apts. (Beacon) 510 units; Harriet Tubman Terrace (Poughkeepsie) 200 units, 193 assisted; Village Green Apts. (Rhineback) 144 units in Dutchess, NY; The Water Club (Poughkeepsie) 136 units; Admiral Wm. F. Halsey Senior Village (Poughkeepsie) 119 units; Maplewood Apartments (Poughkeepsie) 85 units, 84 assisted.
Lenders with branches in Dutchess, NY
Dutchess, NY lenders by branch count: Manufacturers&Traders Tr Co (Dutchess, NY): stress 52, 11 branches low in Dutchess, NY; Rhinebeck Bank (Dutchess, NY): stress 76, 10 branches low in Dutchess, NY; Ulster Savings Bank (Dutchess, NY): stress 83, 5 branches low in Dutchess, NY; Bank Of Millbrook (Dutchess, NY): stress 37, 5 branches low in Dutchess, NY; Nbt Bank National Assn (Dutchess, NY): stress 61, 4 branches low in Dutchess, NY; Trustco Bank (Dutchess, NY): stress 75, 3 branches low in Dutchess, NY; Tompkins Community Bank (Dutchess, NY): stress 65, 3 branches low in Dutchess, NY; Rondout Savings Bank (Dutchess, NY): stress 90, 1 branch low in Dutchess, NY.
Vacancy and permits, Dutchess, NY
6,894 of 123,169 Dutchess, NY housing units are vacant; Dutchess, NY permits, twelve months: 305 multifamily units in Dutchess, NY, 275 one-to-four unit units.
Work Dutchess, NY at the parcel level
Every Dutchess, NY parcel carries owner and address; every Dutchess, NY parcel carries APN; Dutchess, NY distress scores sit on the Dutchess, NY live board.
Dutchess, NY figures refresh with each source.
Dutchess, NY questions
Most distressed ZIP code in Dutchess County, NY?
ZIP 12501 leads Dutchess, NY at 25/100; next in Dutchess, NY: 12504 at 25/100; the Dutchess, NY average is 25/100.
Where does Dutchess County, NY rank for investment opportunity?
Dutchess, NY is #2,872 among all ranked counties, #57 in New York; the Dutchess, NY driver is construction; Dutchess, NY moved down 83 places.
How many mortgages are delinquent in Dutchess County, NY?
1.1% of Dutchess, NY mortgages were ninety-plus days late in December 2025; the Dutchess, NY peak since 2008 was 5.8%.
Which banks lend in Dutchess County, NY?
8 watched lenders hold Dutchess, NY branches; the largest Dutchess, NY footprints are Manufacturers&Traders Tr Co (11), Rhinebeck Bank (10), Ulster Savings Bank (5).
More on Dutchess, NY
Dutchess County, NY distress report: public-record figures for Dutchess, NY; not legal advice for Dutchess, NY; not tax or investment advice; verify every Dutchess, NY record before acting.