Putnam County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Putnam County, NY distress report, 2026: 13 ZIPs scored in Putnam, NY, Putnam, NY average 22/100; the top Putnam, NY ZIP is 10588 at 28/100; Putnam, NY market phase peak, Putnam, NY prices +4.9% year over year.
- Putnam, NY ranks #2,176 nationally (opportunity index); Putnam, NY #39 in New York; Putnam, NY index 27.1.
- Putnam, NY: no CFPB county sample; Putnam, NY metro area reading 0.8%.
- Putnam, NY ZIP phases: 13 peak.
- Putnam, NY residential listings tracked: 22 across 9 ZIPs; Putnam, NY candidate listings 7.
- Putnam, NY HUD assisted properties: 3 with 78 units.
- Putnam, NY lenders on watch: 4; largest Putnam, NY footprint Putnam County Nb Of Carmel (5 branches).
- Putnam, NY most distressed ZIP: 10588 at 28/100.
Putnam, NY figures: DLRadar distress index; Putnam, NY inputs: CFPB, FHFA, HUD, FDIC; Putnam, NY rebuilt as sources refresh.
| Rank | Putnam, NY ZIP | Score |
|---|---|---|
| 1 | 10588 | 28/100 |
| 2 | 12582 | 25/100 |
| 3 | 12531 | 24/100 |
| 4 | 12533 | 24/100 |
| 5 | 10509 | 21/100 |
| 6 | 10512 | 21/100 |
| 7 | 10516 | 21/100 |
| 8 | 10524 | 21/100 |
| 9 | 10542 | 21/100 |
| 10 | 10579 | 21/100 |
| 11 | 12563 | 21/100 |
| 12 | 10537 | 20/100 |
Most distressed Putnam, NY ZIPs (0-100, 2026)
Mortgage delinquency around Putnam, NY
No CFPB county sample covers Putnam, NY; the metro area reading for Putnam, NY (New York-Newark-Jersey City, NY-NJ): 0.8% ninety-plus; Putnam, NY area thirty-to-eighty-nine 1.7% (December 2025, Putnam, NY); New York overall 1.0%.
Opportunity index: Putnam, NY
Putnam, NY index 27.1, Putnam, NY phase weak; Putnam, NY primary driver construction, Putnam, NY second driver bank institutional. Putnam, NY components: property stress 12.2, foreclosure pressure 10.2, listing discounts 27.9, bank stress 57.5, insurance 0.0; Putnam, NY pulse 30.4; Putnam, NY capital opportunity 22.1; Putnam, NY seven-day change +0.1%.
ZIP market phases inside Putnam, NY
13 Putnam, NY ZIPs carry a price-cycle phase; Putnam, NY ZIPs by phase (Putnam, NY), deepest drawdown first: peak, +4.9% YoY (Putnam, NY): 10509, 10512, 10516, 10524, Putnam, NY 10537, 10541, 10542, 10579, Putnam, NY 10588, 12563; peak, +3.2% YoY (Putnam, NY): 12531; peak, +3.1% YoY (Putnam, NY): 12533; peak, +2.9% YoY (Putnam, NY): 12582.
Residential listings by Putnam, NY ZIP
Putnam, NY ZIPs with the most tracked Putnam, NY residential listings: 10541 7 listings, 3 candidates, bank pressure 62; 10512 5 listings, 0 candidates, bank pressure 64; 10509 4 listings, 1 candidates, bank pressure 62; 10516 2 listings, 1 candidates, bank pressure 60 (Putnam, NY); 12563 2 listings, 0 candidates, bank pressure 60; 10524 1 listings, 1 candidates, bank pressure 60; 10537 1 listings, 1 candidates, bank pressure 62; 10542 0 listings, 0 candidates, bank pressure 60. Putnam, NY totals: 22 listings; Putnam, NY candidates 7; active ZIPs 7.
HUD assisted housing in Putnam, NY
3 assisted properties with 78 units sit in Putnam, NY; largest Putnam, NY properties: Senior Housing At Mahopac Hills (Carmel) 48 units, 47 assisted; Lakeview Senior Apartments (Carmel) 24 units, 23 assisted; Putnam Residence (Patterson) 6 units, 6 assisted in Putnam, NY.
Lenders with branches in Putnam, NY
Putnam, NY lenders by branch count: Putnam County Nb Of Carmel (Putnam, NY): stress 25, 5 branches low in Putnam, NY; Tompkins Community Bank (Putnam, NY): stress 65, 4 branches low in Putnam, NY; Manufacturers&Traders Tr Co (Putnam, NY): stress 52, 2 branches low in Putnam, NY; Trustco Bank (Putnam, NY): stress 75, 1 branch low in Putnam, NY.
Vacancy and permits, Putnam, NY
2,905 of 38,450 Putnam, NY housing units are vacant; Putnam, NY permits, twelve months: 0 multifamily units in Putnam, NY, 107 one-to-four unit units.
Work Putnam, NY at the parcel level
Every Putnam, NY parcel carries owner and address; every Putnam, NY parcel carries APN; Putnam, NY distress scores sit on the Putnam, NY live board.
Putnam, NY figures refresh with each source.
Putnam, NY questions
Most distressed ZIP code in Putnam County, NY?
ZIP 10588 leads Putnam, NY at 28/100; next in Putnam, NY: 12582 at 25/100; the Putnam, NY average is 22/100.
Where does Putnam County, NY rank for investment opportunity?
Putnam, NY is #2,176 among all ranked counties, #39 in New York; the Putnam, NY driver is construction; Putnam, NY moved up 45 places.
How many mortgages are delinquent in Putnam County, NY?
Putnam, NY takes the metro area reading of 0.8% for December 2025; no CFPB county sample covers Putnam, NY.
Which banks lend in Putnam County, NY?
4 watched lenders hold Putnam, NY branches; the largest Putnam, NY footprints are Putnam County Nb Of Carmel (5), Tompkins Community Bank (4), Manufacturers&Traders Tr Co (2).
More on Putnam, NY
Putnam County, NY distress report: public-record figures for Putnam, NY; not legal advice for Putnam, NY; not tax or investment advice; verify every Putnam, NY record before acting.