Montgomery County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Montgomery County, NY distress report, 2026: 20 ZIPs scored in Montgomery, NY, Montgomery, NY average 20/100; the top Montgomery, NY ZIP is 12137 at 23/100; Montgomery, NY market phase peak, Montgomery, NY prices +4.9% year over year.
- Montgomery, NY ranks #767 nationally (opportunity index); Montgomery, NY #11 in New York; Montgomery, NY index 32.1.
- Montgomery, NY: no CFPB county sample; Montgomery, NY non-metro area reading 0.8%.
- Montgomery, NY ZIP phases: 12 peak, 8 expansion.
- Montgomery, NY residential listings tracked: 17 across 12 ZIPs; Montgomery, NY candidate listings 2.
- Montgomery, NY HUD assisted properties: 3 with 42 units.
- Montgomery, NY lenders on watch: 3; largest Montgomery, NY footprint Nbt Bank National Assn (5 branches).
- Montgomery, NY most distressed ZIP: 12137 at 23/100.
Montgomery, NY figures: DLRadar distress index; Montgomery, NY inputs: CFPB, FHFA, HUD, FDIC; Montgomery, NY rebuilt as sources refresh.
| Rank | Montgomery, NY ZIP | Score |
|---|---|---|
| 1 | 12137 | 23/100 |
| 2 | 12053 | 22/100 |
| 3 | 12095 | 22/100 |
| 4 | 13452 | 22/100 |
| 5 | 12010 | 21/100 |
| 6 | 12070 | 21/100 |
| 7 | 12086 | 21/100 |
| 8 | 13339 | 21/100 |
| 9 | 12066 | 20/100 |
| 10 | 12068 | 20/100 |
| 11 | 12069 | 20/100 |
| 12 | 12072 | 20/100 |
Most distressed Montgomery, NY ZIPs (0-100, 2026)
Mortgage delinquency around Montgomery, NY
No CFPB county sample covers Montgomery, NY; the non-metro area reading for Montgomery, NY: 0.8% ninety-plus; Montgomery, NY area thirty-to-eighty-nine 3.0% (December 2025, Montgomery, NY); New York overall 1.0%.
Opportunity index: Montgomery, NY
Montgomery, NY index 32.1, Montgomery, NY phase watchlist; Montgomery, NY primary driver construction, Montgomery, NY second driver vacancy. Montgomery, NY components: property stress 14.3, foreclosure pressure 13.0, listing discounts 34.7, bank stress 58.9, insurance 0.0; Montgomery, NY pulse 36.9; Montgomery, NY capital opportunity 25.0; Montgomery, NY seven-day change +0.7%.
ZIP market phases inside Montgomery, NY
20 Montgomery, NY ZIPs carry a price-cycle phase; Montgomery, NY ZIPs by phase (Montgomery, NY), deepest drawdown first: expansion, +5.2% YoY (Montgomery, NY): 12010; expansion, +6.5% YoY (Montgomery, NY): 12053; expansion, +5.8% YoY (Montgomery, NY): 12066, 13339; peak, +4.9% YoY (Montgomery, NY): 12068, 12069, 12070, 12072, Montgomery, NY 12095, 12166, 12177, 13317, Montgomery, NY 13320; expansion, +5.9% YoY (Montgomery, NY): 12086; expansion, +6.3% YoY (Montgomery, NY): 12137; expansion, +6.4% YoY (Montgomery, NY): 12160.
Residential listings by Montgomery, NY ZIP
Montgomery, NY ZIPs with the most tracked Montgomery, NY residential listings: 12010 4 listings, 0 candidates, bank pressure 67; 13317 4 listings, 0 candidates, bank pressure 67; 12068 3 listings, 0 candidates, bank pressure 66; 12070 2 listings, 2 candidates, bank pressure 66 (Montgomery, NY); 12166 2 listings, 0 candidates, bank pressure 70; 13339 2 listings, 0 candidates, bank pressure 66; 12066 0 listings, 0 candidates, bank pressure 68; 12069 0 listings, 0 candidates, bank pressure 67. Montgomery, NY totals: 17 listings; Montgomery, NY candidates 2; active ZIPs 4.
HUD assisted housing in Montgomery, NY
3 assisted properties with 42 units sit in Montgomery, NY; largest Montgomery, NY properties: Lafayette Court (Palatine Bridge) 24 units, 23 assisted; New Dimensions In Living (Canajoharie) 10 units, 8 assisted; Rivercrest Commons (Amsterdam) 8 units, 8 assisted in Montgomery, NY.
Lenders with branches in Montgomery, NY
Montgomery, NY lenders by branch count: Nbt Bank National Assn (Montgomery, NY): stress 61, 5 branches low in Montgomery, NY; Community Bank National Assn (Montgomery, NY): stress 68, 2 branches low in Montgomery, NY; Trustco Bank (Montgomery, NY): stress 75, 1 branch low in Montgomery, NY.
Vacancy and permits, Montgomery, NY
3,378 of 22,981 Montgomery, NY housing units are vacant; Montgomery, NY permits, twelve months: 0 multifamily units in Montgomery, NY, 38 one-to-four unit units.
Work Montgomery, NY at the parcel level
Every Montgomery, NY parcel carries owner and address; every Montgomery, NY parcel carries APN; Montgomery, NY distress scores sit on the Montgomery, NY live board.
Montgomery, NY figures refresh with each source.
Montgomery, NY questions
Most distressed ZIP code in Montgomery County, NY?
ZIP 12137 leads Montgomery, NY at 23/100; next in Montgomery, NY: 12053 at 22/100; the Montgomery, NY average is 20/100.
Where does Montgomery County, NY rank for investment opportunity?
Montgomery, NY is #767 among all ranked counties, #11 in New York; the Montgomery, NY driver is construction; Montgomery, NY moved down 56 places.
How many mortgages are delinquent in Montgomery County, NY?
Montgomery, NY takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Montgomery, NY.
Which banks lend in Montgomery County, NY?
3 watched lenders hold Montgomery, NY branches; the largest Montgomery, NY footprints are Nbt Bank National Assn (5), Community Bank National Assn (2), Trustco Bank (1).
More on Montgomery, NY
Montgomery County, NY distress report: public-record figures for Montgomery, NY; not legal advice for Montgomery, NY; not tax or investment advice; verify every Montgomery, NY record before acting.