Monroe County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Monroe County, New York? DLRadar grades every Monroe County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Monroe County breakdown.
- Monroe County's most distressed ZIP is 14564 at 26/100.
- 52 ZIP codes tracked in Monroe County, averaging 23/100 distress.
- Monroe County reads peak — home values up 3.7% year over year.
- Vacancy runs 6.2% across Monroe County's tracked ZIPs, with a 12.5% poverty rate.
- The typical Monroe County home is worth about $222,861 against a ~$80,679 median income.
- Lending headwind in Monroe County sits at 53/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 14564 | 26/100 |
| 2 | 14420 | 24/100 |
| 3 | 14428 | 24/100 |
| 4 | 14445 | 24/100 |
| 5 | 14450 | 24/100 |
| 6 | 14464 | 24/100 |
| 7 | 14467 | 24/100 |
| 8 | 14468 | 24/100 |
| 9 | 14506 | 24/100 |
| 10 | 14511 | 24/100 |
| 11 | 14514 | 24/100 |
| 12 | 14515 | 24/100 |
Most distressed ZIP codes in Monroe County (composite distress 0-100, 2026)
What is driving Monroe County distress
Nothing here is estimated: Monroe County is scored from filings alone, and its ZIPs average 23/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Monroe County market phase and pricing
DLRadar places Monroe County in peak; prices moved up 3.7% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Monroe County
Keep reading the Monroe County data at no cost, or open a 60-minute exploration to work the actual distressed parcels inside each ZIP.
Nothing charged today · every module open, on live data.
Questions and answers
Which ZIP code leads Monroe County on distress?
ZIP 14564 leads Monroe County at 26/100, recomputed monthly from public records.
What market phase is Monroe County in?
Monroe County reads peak, with home prices up 3.7% year over year. Phase comes from FHFA House Price Index trajectory.
Which datasets feed the Monroe County scores?
Monroe County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 52 ZIPs are comparable to anywhere else.
How much do distress scores vary between Monroe County ZIP codes?
Averaging the county conceals how uneven it is. Across the Monroe County ZIPs DLRadar ranks, scores run from 26/100 in 14564 down to 24/100 in 14515, against a Monroe County average of 23/100. Because the gap runs to 2 points, Monroe County rewards ZIP-level precision.
What do Monroe County home values and vacancy say about distressed supply?
The typical Monroe County home carries about $222,861 of value against a median household income near $80,679. Vacancy across Monroe County's tracked ZIPs runs 6.2% and the poverty rate is 12.5%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Monroe County's foreclosure and tax-lien filings and its 53/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.