Orange County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Orange County, NY distress report, 2026: 52 ZIPs scored in Orange, NY, Orange, NY average 27/100; the top Orange, NY ZIP is 10910 at 28/100; Orange, NY market phase peak, Orange, NY prices +2.9% year over year.
- Orange, NY ranks #2,279 nationally (opportunity index); Orange, NY #42 in New York; Orange, NY index 26.8.
- Orange, NY ninety-day mortgage delinquency 1.2% in December 2025; Orange, NY twelve-month change 0.0%.
- Orange, NY ZIP phases: 52 peak.
- Orange, NY residential listings tracked: 104 across 46 ZIPs; Orange, NY candidate listings 43.
- Orange, NY HUD assisted properties: 8 with 577 units.
- Orange, NY lenders on watch: 8; largest Orange, NY footprint Walden Savings Bank (10 branches).
- Orange, NY most distressed ZIP: 10910 at 28/100.
Orange, NY figures: DLRadar distress index; Orange, NY inputs: CFPB, FHFA, HUD, FDIC; Orange, NY rebuilt as sources refresh.
| Rank | Orange, NY ZIP | Score |
|---|---|---|
| 1 | 10910 | 28/100 |
| 2 | 10914 | 28/100 |
| 3 | 10915 | 28/100 |
| 4 | 10916 | 28/100 |
| 5 | 10917 | 28/100 |
| 6 | 10918 | 28/100 |
| 7 | 10919 | 28/100 |
| 8 | 10921 | 28/100 |
| 9 | 10922 | 28/100 |
| 10 | 10924 | 28/100 |
| 11 | 10925 | 28/100 |
| 12 | 10926 | 28/100 |
Most distressed Orange, NY ZIPs (0-100, 2026)
Mortgage delinquency in Orange, NY
1.2% of Orange, NY mortgages were ninety-plus days late (Orange, NY, December 2025); Orange, NY thirty-to-eighty-nine days late: 2.0%; Orange, NY twelve-month change 0.0%; Orange, NY peak since 2008: 6.4% (January 2012); New York overall 1.0%. Orange, NY ninety-day series: Dec 24 1.2, Jan 25 1.3, Feb 25 1.3 (Orange, NY), Mar 25 1.3, Apr 25 1.2, May 25 1.3 (Orange, NY), Jun 25 1.3, Jul 25 1.1, Aug 25 1.0 (Orange, NY), Sep 25 1.1, Oct 25 1.1, Nov 25 1.1 (Orange, NY), Dec 25 1.2.
Opportunity index: Orange, NY
Orange, NY index 26.8, Orange, NY phase weak; Orange, NY primary driver bank institutional, Orange, NY second driver vacancy. Orange, NY components: property stress 16.9, foreclosure pressure 14.6, listing discounts 30.7, bank stress 54.6, insurance 0.0; Orange, NY pulse 28.1; Orange, NY capital opportunity 24.8; Orange, NY seven-day change -0.3%.
ZIP market phases inside Orange, NY
52 Orange, NY ZIPs carry a price-cycle phase; Orange, NY ZIPs by phase (Orange, NY), deepest drawdown first: peak, +2.4% YoY, 3.2% off peak (Orange, NY): 12542; peak, +2.4% YoY, 2.9% off peak (Orange, NY): 12589; peak, +2.8% YoY, 2.0% off peak (Orange, NY): 12566; peak, +2.9% YoY (Orange, NY): 10910, 10914, 10915, 10916, Orange, NY 10917, 10918, 10919, 10921, Orange, NY 10922, 10924, 10925, 10926, Orange, NY 10928.
Residential listings by Orange, NY ZIP
Orange, NY ZIPs with the most tracked Orange, NY residential listings: 10940 14 listings, 1 candidates, bank pressure 58; 12550 13 listings, 8 candidates, bank pressure 58; 10950 12 listings, 9 candidates, bank pressure 58; 12771 8 listings, 7 candidates, bank pressure 58 (Orange, NY); 10990 7 listings, 3 candidates, bank pressure 58; 12553 5 listings, 2 candidates, bank pressure 58; 10918 4 listings, 2 candidates, bank pressure 58; 10925 4 listings, 0 candidates, bank pressure 58. Orange, NY totals: 104 listings; Orange, NY candidates 43; active ZIPs 25.
HUD assisted housing in Orange, NY
8 assisted properties with 577 units sit in Orange, NY; largest Orange, NY properties: Orchard Hills (Newburgh) 260 units; Southeast Towers Housing (Middletown) 107 units; The Cedars (Walden) 89 units, 88 assisted in Orange, NY; Liberty Green Senior Apartments Phase I (Warwick) 87 units; Crystal Run (Orange) 12 units, 12 assisted; Wallkill Community Residence (Middletown) 9 units, 8 assisted.
Lenders with branches in Orange, NY
Orange, NY lenders by branch count: Walden Savings Bank (Orange, NY): stress 73, 10 branches low in Orange, NY; Wallkill Valley Fs&La (Orange, NY): stress 78, 7 branches low in Orange, NY; Manufacturers&Traders Tr Co (Orange, NY): stress 52, 7 branches low in Orange, NY; Orange Bank&Trust Co (Orange, NY): stress 49, 6 branches low in Orange, NY; Rhinebeck Bank (Orange, NY): stress 76, 3 branches low in Orange, NY; Berkshire Bank (Orange, NY): stress 40, 2 branches low in Orange, NY; Northeast Community Bank (Orange, NY): stress 27, 2 branches low in Orange, NY; Ulster Savings Bank (Orange, NY): stress 83, 1 branch low in Orange, NY.
Vacancy and permits, Orange, NY
11,091 of 149,699 Orange, NY housing units are vacant; Orange, NY permits, twelve months: 1,240 multifamily units in Orange, NY, 435 one-to-four unit units.
Work Orange, NY at the parcel level
Every Orange, NY parcel carries owner and address; every Orange, NY parcel carries APN; Orange, NY distress scores sit on the Orange, NY live board.
Orange, NY figures refresh with each source.
Orange, NY questions
Most distressed ZIP code in Orange County, NY?
ZIP 10910 leads Orange, NY at 28/100; next in Orange, NY: 10914 at 28/100; the Orange, NY average is 27/100.
Where does Orange County, NY rank for investment opportunity?
Orange, NY is #2,279 among all ranked counties, #42 in New York; the Orange, NY driver is bank institutional; Orange, NY moved up 414 places.
How many mortgages are delinquent in Orange County, NY?
1.2% of Orange, NY mortgages were ninety-plus days late in December 2025; the Orange, NY peak since 2008 was 6.4%.
Which banks lend in Orange County, NY?
8 watched lenders hold Orange, NY branches; the largest Orange, NY footprints are Walden Savings Bank (10), Wallkill Valley Fs&La (7), Manufacturers&Traders Tr Co (7).
More on Orange, NY
Orange County, NY distress report: public-record figures for Orange, NY; not legal advice for Orange, NY; not tax or investment advice; verify every Orange, NY record before acting.