Putnam County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Putnam County, New York? DLRadar grades every Putnam County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 29/100. Here is the 2026 Putnam County breakdown.
- Putnam County's most distressed ZIP is 10588 at 29/100.
- 13 ZIP codes tracked in Putnam County, averaging 22/100 distress.
- Putnam County reads peak — home values up 4.9% year over year.
- Vacancy runs 9.6% across Putnam County's tracked ZIPs, with a 5.9% poverty rate.
- The typical Putnam County home is worth about $491,375 against a ~$129,307 median income.
- Lending headwind in Putnam County sits at 15/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 10588 | 29/100 |
| 2 | 12531 | 23/100 |
| 3 | 12533 | 23/100 |
| 4 | 12582 | 23/100 |
| 5 | 10509 | 21/100 |
| 6 | 10512 | 21/100 |
| 7 | 10516 | 21/100 |
| 8 | 10524 | 21/100 |
| 9 | 10541 | 21/100 |
| 10 | 10542 | 21/100 |
| 11 | 10579 | 21/100 |
| 12 | 12563 | 21/100 |
Most distressed ZIP codes in Putnam County (composite distress 0-100, 2026)
What is driving Putnam County distress
Putnam County's placement in the national index rests on public filings — a 22/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Putnam County market phase and pricing
Putnam County reads peak — home prices rose 4.9% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Putnam County
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Common questions
Where is distress highest inside Putnam County, NY?
ZIP 10588 leads Putnam County at 29/100, recomputed monthly from public records.
Which phase does Putnam County sit in right now?
Phase for Putnam County: peak, tracking a 4.9% gain year over year, read off the FHFA index.
Which datasets feed the Putnam County scores?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 13 ZIP codes in Putnam County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Putnam County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Putnam County ZIPs DLRadar ranks, scores run from 29/100 in 10588 down to 21/100 in 12563, against a Putnam County average of 22/100. A spread of 8 points means Putnam County has to be worked ZIP by ZIP.
What do Putnam County home values and vacancy say about distressed supply?
The typical Putnam County home carries about $491,375 of value against a median household income near $129,307. Vacancy across Putnam County's tracked ZIPs runs 9.6% and the poverty rate is 5.9%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Putnam County's foreclosure and lien data and its 15/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.