Montgomery County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Montgomery County, New York? DLRadar grades every Montgomery County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Montgomery County breakdown.
- Montgomery County's most distressed ZIP is 12137 at 23/100.
- 20 ZIP codes tracked in Montgomery County, averaging 20/100 distress.
- Montgomery County reads peak — home values up 4.9% year over year.
- Vacancy runs 13.4% across Montgomery County's tracked ZIPs, with a 11.4% poverty rate.
- The typical Montgomery County home is worth about $177,800 against a ~$69,660 median income.
- Lending headwind in Montgomery County sits at 42/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 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 ZIP codes in Montgomery County (composite distress 0-100, 2026)
What is driving Montgomery County distress
Montgomery County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 20/100 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.
Montgomery County market phase and pricing
DLRadar places Montgomery County in peak; prices moved up 4.9% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Montgomery County
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Common questions
Which ZIP code leads Montgomery County on distress?
ZIP 12137 leads Montgomery County at 23/100, recomputed monthly from public records.
Where is Montgomery County in the housing cycle?
The market phase for Montgomery County is peak, prices rising 4.9% on the year — derived from the FHFA House Price Index path.
What are the sources behind these Montgomery County numbers?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 20 Montgomery County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Montgomery County ZIP codes?
Averaging the county conceals how uneven it is. Across the Montgomery County ZIPs DLRadar ranks, scores run from 23/100 in 12137 down to 20/100 in 12072, against a Montgomery County average of 20/100. The 3-point range is the argument for ZIP-level search across Montgomery County.
What do Montgomery County home values and vacancy say about distressed supply?
The typical Montgomery County home carries about $177,800 of value against a median household income near $69,660. Vacancy across Montgomery County's tracked ZIPs runs 13.4% and the poverty rate is 11.4%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Montgomery County's foreclosure and tax-lien record and its 42/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.