Dutchess County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Dutchess County, New York? DLRadar grades every Dutchess County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Dutchess County breakdown.
- Dutchess County's most distressed ZIP is 12501 at 24/100.
- 35 ZIP codes tracked in Dutchess County, averaging 24/100 distress.
- Dutchess County reads peak — home values up 2.9% year over year.
- Vacancy runs 9.2% across Dutchess County's tracked ZIPs, with a 10.5% poverty rate.
- The typical Dutchess County home is worth about $421,126 against a ~$100,912 median income.
- Lending headwind in Dutchess County sits at 52/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 12501 | 24/100 |
| 2 | 12504 | 24/100 |
| 3 | 12507 | 24/100 |
| 4 | 12508 | 24/100 |
| 5 | 12512 | 24/100 |
| 6 | 12514 | 24/100 |
| 7 | 12522 | 24/100 |
| 8 | 12524 | 24/100 |
| 9 | 12527 | 24/100 |
| 10 | 12538 | 24/100 |
| 11 | 12540 | 24/100 |
| 12 | 12545 | 24/100 |
Most distressed ZIP codes in Dutchess County (composite distress 0-100, 2026)
What is driving Dutchess County distress
DLRadar builds Dutchess County's distress picture only from records anyone can pull; its ZIPs average 24/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Dutchess County market phase and pricing
Phase for Dutchess County: peak (+2.9% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Dutchess County
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Frequently asked
Where is distress highest inside Dutchess County, NY?
ZIP 12501 leads Dutchess County at 24/100, recomputed monthly from public records.
How would you describe the Dutchess County market phase?
Dutchess County reads peak, with home prices up 2.9% year over year. Phase comes from FHFA House Price Index trajectory.
Which datasets feed the Dutchess County scores?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 35 ZIP codes in Dutchess County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Dutchess County ZIP codes?
One county number flattens a wide range. Across the Dutchess County ZIPs DLRadar ranks, scores run from 24/100 in 12501 down to 24/100 in 12545, against a Dutchess County average of 24/100. That 0-point gap is why acquisition targeting in Dutchess County works at ZIP level rather than county level.
What do Dutchess County home values and vacancy say about distressed supply?
The typical Dutchess County home carries about $421,126 of value against a median household income near $100,912. Vacancy across Dutchess County's tracked ZIPs runs 9.2% and the poverty rate is 10.5%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Dutchess County's foreclosure and lien filings and its 52/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.