Essex County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Essex County, New York? DLRadar grades every Essex County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Essex County breakdown.
- Essex County's most distressed ZIP is 12851 at 25/100.
- 36 ZIP codes tracked in Essex County, averaging 24/100 distress.
- Essex County reads expansion — home values up 6.0% year over year.
- Vacancy runs 40.5% across Essex County's tracked ZIPs, with a 10.6% poverty rate.
- The typical Essex County home is worth about $232,265 against a ~$69,622 median income.
- Lending headwind in Essex County sits at 85/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 12851 | 25/100 |
| 2 | 12852 | 25/100 |
| 3 | 12855 | 25/100 |
| 4 | 12858 | 25/100 |
| 5 | 12872 | 25/100 |
| 6 | 12883 | 25/100 |
| 7 | 12913 | 25/100 |
| 8 | 12928 | 25/100 |
| 9 | 12932 | 25/100 |
| 10 | 12936 | 25/100 |
| 11 | 12941 | 25/100 |
| 12 | 12942 | 25/100 |
Most distressed ZIP codes in Essex County (composite distress 0-100, 2026)
What is driving Essex County distress
Essex County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 24/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Essex County market phase and pricing
Essex County currently sits in expansion after a 6.0% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Essex County
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Frequently asked questions
What is the hardest-hit ZIP in Essex County?
ZIP 12851 leads Essex County at 25/100, recomputed monthly from public records.
How would you describe the Essex County market phase?
Essex County currently sits in expansion, with values up 6.0% year on year, based on FHFA price-index trajectory.
What are the sources behind these Essex County numbers?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 36 Essex County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Essex County ZIP codes?
Averaging the county conceals how uneven it is. Across the Essex County ZIPs DLRadar ranks, scores run from 25/100 in 12851 down to 25/100 in 12942, against a Essex County average of 24/100. The 0-point range is the argument for ZIP-level search across Essex County.
What do Essex County home values and vacancy say about distressed supply?
The typical Essex County home carries about $232,265 of value against a median household income near $69,622. Vacancy across Essex County's tracked ZIPs runs 40.5% and the poverty rate is 10.6%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Essex County's filings and its 85/100 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.