Monroe County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Monroe County, NY distress report, 2026: 52 ZIPs scored in Monroe, NY, Monroe, NY average 23/100; the top Monroe, NY ZIP is 14564 at 25/100; Monroe, NY market phase peak, Monroe, NY prices +3.7% year over year.
- Monroe, NY ranks #2,443 nationally (opportunity index); Monroe, NY #48 in New York; Monroe, NY index 26.1.
- Monroe, NY ninety-day mortgage delinquency 0.8% in December 2025; Monroe, NY twelve-month change 0.0%.
- Monroe, NY ZIP phases: 52 peak.
- Monroe, NY residential listings tracked: 185 across 44 ZIPs; Monroe, NY candidate listings 48.
- Monroe, NY HUD assisted properties: 51 with 3,159 units.
- Monroe, NY lenders on watch: 8; largest Monroe, NY footprint Manufacturers&Traders Tr Co (25 branches).
- Monroe, NY most distressed ZIP: 14564 at 25/100.
Monroe, NY figures: DLRadar distress index; Monroe, NY inputs: CFPB, FHFA, HUD, FDIC; Monroe, NY rebuilt as sources refresh.
| Rank | Monroe, NY ZIP | Score |
|---|---|---|
| 1 | 14564 | 25/100 |
| 2 | 14420 | 24/100 |
| 3 | 14428 | 24/100 |
| 4 | 14445 | 24/100 |
| 5 | 14450 | 24/100 |
| 6 | 14467 | 24/100 |
| 7 | 14468 | 24/100 |
| 8 | 14506 | 24/100 |
| 9 | 14511 | 24/100 |
| 10 | 14514 | 24/100 |
| 11 | 14515 | 24/100 |
| 12 | 14526 | 24/100 |
Most distressed Monroe, NY ZIPs (0-100, 2026)
Mortgage delinquency in Monroe, NY
0.8% of Monroe, NY mortgages were ninety-plus days late (Monroe, NY, December 2025); Monroe, NY thirty-to-eighty-nine days late: 2.1%; Monroe, NY twelve-month change 0.0%; Monroe, NY peak since 2008: 2.9% (September 2012); New York overall 1.0%. Monroe, NY ninety-day series: Dec 24 0.8, Jan 25 0.7, Feb 25 0.8 (Monroe, NY), Mar 25 0.7, Apr 25 0.6, May 25 0.7 (Monroe, NY), Jun 25 0.7, Jul 25 0.6, Aug 25 0.6 (Monroe, NY), Sep 25 0.7, Oct 25 0.8, Nov 25 0.8 (Monroe, NY), Dec 25 0.8.
Opportunity index: Monroe, NY
Monroe, NY index 26.1, Monroe, NY phase weak; Monroe, NY primary driver bank institutional, Monroe, NY second driver construction. Monroe, NY components: property stress 11.0, foreclosure pressure 6.0, listing discounts 35.3, bank stress 58.4, insurance 0.0; Monroe, NY pulse 27.0; Monroe, NY capital opportunity 24.8; Monroe, NY seven-day change +0.3%.
ZIP market phases inside Monroe, NY
52 Monroe, NY ZIPs carry a price-cycle phase; Monroe, NY ZIPs by phase (Monroe, NY), deepest drawdown first: peak, +3.7% YoY (Monroe, NY): 14414, 14420, 14428, 14445, Monroe, NY 14450, 14464, 14467, 14468, Monroe, NY 14470, 14472, 14476, 14502, Monroe, NY 14506, 14511; peak, +4.7% YoY (Monroe, NY): 14416; peak, +4.8% YoY (Monroe, NY): 14482.
Residential listings by Monroe, NY ZIP
Monroe, NY ZIPs with the most tracked Monroe, NY residential listings: 14609 19 listings, 5 candidates, bank pressure 65; 14611 14 listings, 1 candidates, bank pressure 65; 14621 13 listings, 1 candidates, bank pressure 65; 14606 12 listings, 7 candidates, bank pressure 65 (Monroe, NY); 14616 10 listings, 1 candidates, bank pressure 65; 14617 10 listings, 0 candidates, bank pressure 65; 14608 9 listings, 4 candidates, bank pressure 65; 14624 9 listings, 1 candidates, bank pressure 65. Monroe, NY totals: 185 listings; Monroe, NY candidates 48; active ZIPs 29.
HUD assisted housing in Monroe, NY
51 assisted properties with 3,159 units sit in Monroe, NY; largest Monroe, NY properties: Orchard Place (Greece) 550 units; Cedars Of Chili (Rochester) 320 units; Gleason Estates (East Rochester) 300 units in Monroe, NY; The Hamilton (Rochester) 202 units, 202 assisted; Newport Highlands (Rochester) 200 units, 40 assisted; Linden Knoll Apts (Brighton) 149 units.
Lenders with branches in Monroe, NY
Monroe, NY lenders by branch count: Manufacturers&Traders Tr Co (Monroe, NY): stress 52, 25 branches low in Monroe, NY; Canandaigua Nb&T Co (Monroe, NY): stress 69, 18 branches low in Monroe, NY; Five Star Bank (Monroe, NY): stress 59, 8 branches low in Monroe, NY; Nbt Bank National Assn (Monroe, NY): stress 61, 5 branches low in Monroe, NY; Community Bank National Assn (Monroe, NY): stress 68, 4 branches low in Monroe, NY; Tompkins Community Bank (Monroe, NY): stress 65, 3 branches low in Monroe, NY; Genesee Regional Bank (Monroe, NY): stress 61, 3 branches low in Monroe, NY; Upstate National Bank (Monroe, NY): stress 90, 1 branch low in Monroe, NY.
Vacancy and permits, Monroe, NY
21,002 of 339,430 Monroe, NY housing units are vacant; Monroe, NY permits, twelve months: 352 multifamily units in Monroe, NY, 549 one-to-four unit units.
Work Monroe, NY at the parcel level
Every Monroe, NY parcel carries owner and address; every Monroe, NY parcel carries APN; Monroe, NY distress scores sit on the Monroe, NY live board.
Monroe, NY figures refresh with each source.
Monroe, NY questions
Most distressed ZIP code in Monroe County, NY?
ZIP 14564 leads Monroe, NY at 25/100; next in Monroe, NY: 14420 at 24/100; the Monroe, NY average is 23/100.
Where does Monroe County, NY rank for investment opportunity?
Monroe, NY is #2,443 among all ranked counties, #48 in New York; the Monroe, NY driver is bank institutional; Monroe, NY moved up 395 places.
How many mortgages are delinquent in Monroe County, NY?
0.8% of Monroe, NY mortgages were ninety-plus days late in December 2025; the Monroe, NY peak since 2008 was 2.9%.
Which banks lend in Monroe County, NY?
8 watched lenders hold Monroe, NY branches; the largest Monroe, NY footprints are Manufacturers&Traders Tr Co (25), Canandaigua Nb&T Co (18), Five Star Bank (8).
More on Monroe, NY
Monroe County, NY distress report: public-record figures for Monroe, NY; not legal advice for Monroe, NY; not tax or investment advice; verify every Monroe, NY record before acting.