New York County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
New York County, NY distress report, 2026: 70 ZIPs scored in New York, NY, New York, NY average 21/100; the top New York, NY ZIP is 10001 at 21/100; New York, NY market phase peak, New York, NY prices +4.9% year over year.
- New York, NY ranks #2,369 nationally (opportunity index); New York, NY #45 in New York; New York, NY index 26.4.
- New York, NY ninety-day mortgage delinquency 0.4% in December 2025; New York, NY twelve-month change -0.1%.
- New York, NY ZIP phases: 70 peak.
- New York, NY residential listings tracked: 87 across 60 ZIPs; New York, NY candidate listings 27.
- New York, NY HUD assisted properties: 118 with 20,185 units.
- New York, NY lenders on watch: 8; largest New York, NY footprint Apple Bank (14 branches).
- New York, NY most distressed ZIP: 10001 at 21/100.
New York, NY figures: DLRadar distress index; New York, NY inputs: CFPB, FHFA, HUD, FDIC; New York, NY rebuilt as sources refresh.
| Rank | New York, NY ZIP | Score |
|---|---|---|
| 1 | 10001 | 21/100 |
| 2 | 10002 | 21/100 |
| 3 | 10003 | 21/100 |
| 4 | 10004 | 21/100 |
| 5 | 10005 | 21/100 |
| 6 | 10006 | 21/100 |
| 7 | 10007 | 21/100 |
| 8 | 10009 | 21/100 |
| 9 | 10010 | 21/100 |
| 10 | 10011 | 21/100 |
| 11 | 10012 | 21/100 |
| 12 | 10013 | 21/100 |
Most distressed New York, NY ZIPs (0-100, 2026)
Mortgage delinquency in New York, NY
0.4% of New York, NY mortgages were ninety-plus days late (New York, NY, December 2025); New York, NY thirty-to-eighty-nine days late: 0.6%; New York, NY twelve-month change -0.1%; New York, NY peak since 2008: 2.5% (February 2011); New York overall 1.0%. New York, NY ninety-day series: Dec 24 0.5, Jan 25 0.4, Feb 25 0.4 (New York, NY), Mar 25 0.4, Apr 25 0.4, May 25 0.3 (New York, NY), Jun 25 0.3, Jul 25 0.4, Aug 25 0.4 (New York, NY), Sep 25 0.4, Oct 25 0.5, Nov 25 0.4 (New York, NY), Dec 25 0.4.
Opportunity index: New York, NY
New York, NY index 26.4, New York, NY phase weak; New York, NY primary driver vacancy, New York, NY second driver bank institutional. New York, NY components: property stress 27.9, foreclosure pressure 30.8, listing discounts 11.9, bank stress 59.1, insurance 0.0; New York, NY pulse 31.6; New York, NY capital opportunity 18.6; New York, NY seven-day change +0.1%.
ZIP market phases inside New York, NY
70 New York, NY ZIPs carry a price-cycle phase; New York, NY ZIPs by phase (New York, NY), deepest drawdown first: peak, +4.9% YoY (New York, NY): 10001, 10002, 10003, 10004, New York, NY 10005, 10006, 10007, 10009, New York, NY 10010, 10011, 10012, 10013, New York, NY 10014, 10016, 10017, 10018.
Residential listings by New York, NY ZIP
New York, NY ZIPs with the most tracked New York, NY residential listings: 10019 10 listings, 4 candidates, bank pressure 60; 10069 5 listings, 3 candidates, bank pressure 60; 10003 4 listings, 3 candidates, bank pressure 60; 10023 4 listings, 2 candidates, bank pressure 60 (New York, NY); 10029 4 listings, 3 candidates, bank pressure 60; 10002 3 listings, 1 candidates, bank pressure 60; 10011 3 listings, 2 candidates, bank pressure 60; 10021 3 listings, 0 candidates, bank pressure 60. New York, NY totals: 87 listings; New York, NY candidates 27; active ZIPs 16.
HUD assisted housing in New York, NY
118 assisted properties with 20,185 units sit in New York, NY; largest New York, NY properties: Penn South Cooperative (New York) 2,820 units; Battery Park City Pod Iii (New York) 1,712 units; 1199 Plaza (New York) 1,594 units, 245 assisted in New York, NY; Confucius Plaza (New York) 762 units; Taino Towers (New York) 656 units, 656 assisted; Ruppert House (New York) 652 units.
Lenders with branches in New York, NY
New York, NY lenders by branch count: Apple Bank (New York, NY): stress 89, 14 branches moderate in New York, NY; Manufacturers&Traders Tr Co (New York, NY): stress 52, 10 branches moderate in New York, NY; Popular Bank (New York, NY): stress 56, 7 branches moderate in New York, NY; Flagstar Bank National Assn (New York, NY): stress 90, 6 branches moderate in New York, NY; Metropolitan Commercial Bank (New York, NY): stress 63, 6 branches moderate in New York, NY; Bank Of New York Mellon (New York, NY): stress 74, 3 branches moderate in New York, NY; Berkshire Bank (New York, NY): stress 40, 3 branches moderate in New York, NY; Carver Federal Savings Bank (New York, NY): stress 99, 2 branches elevated in New York, NY.
Vacancy and permits, New York, NY
145,191 of 923,472 New York, NY housing units are vacant; New York, NY permits, twelve months: 3,108 multifamily units in New York, NY, 4 one-to-four unit units.
Work New York, NY at the parcel level
Every New York, NY parcel carries owner and address; every New York, NY parcel carries APN; New York, NY distress scores sit on the New York, NY live board.
New York, NY figures refresh with each source.
New York, NY questions
Most distressed ZIP code in New York County, NY?
ZIP 10001 leads New York, NY at 21/100; next in New York, NY: 10002 at 21/100; the New York, NY average is 21/100.
Where does New York County, NY rank for investment opportunity?
New York, NY is #2,369 among all ranked counties, #45 in New York; the New York, NY driver is vacancy; New York, NY moved down 437 places.
How many mortgages are delinquent in New York County, NY?
0.4% of New York, NY mortgages were ninety-plus days late in December 2025; the New York, NY peak since 2008 was 2.5%.
Which banks lend in New York County, NY?
8 watched lenders hold New York, NY branches; the largest New York, NY footprints are Apple Bank (14), Manufacturers&Traders Tr Co (10), Popular Bank (7).
More on New York, NY
New York County, NY distress report: public-record figures for New York, NY; not legal advice for New York, NY; not tax or investment advice; verify every New York, NY record before acting.