Rensselaer County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Rensselaer County, NY distress report, 2026: 31 ZIPs scored in Rensselaer, NY, Rensselaer, NY average 25/100; the top Rensselaer, NY ZIP is 12018 at 26/100; Rensselaer, NY market phase expansion, Rensselaer, NY prices +6.6% year over year.
- Rensselaer, NY ranks #2,205 nationally (opportunity index); Rensselaer, NY #41 in New York; Rensselaer, NY index 27.0.
- Rensselaer, NY ninety-day mortgage delinquency 0.9% in December 2025; Rensselaer, NY twelve-month change -0.3%.
- Rensselaer, NY ZIP phases: 29 expansion, 2 peak.
- Rensselaer, NY residential listings tracked: 17 across 26 ZIPs; Rensselaer, NY candidate listings 10.
- Rensselaer, NY HUD assisted properties: 9 with 691 units.
- Rensselaer, NY lenders on watch: 7; largest Rensselaer, NY footprint Trustco Bank (7 branches).
- Rensselaer, NY most distressed ZIP: 12018 at 26/100.
Rensselaer, NY figures: DLRadar distress index; Rensselaer, NY inputs: CFPB, FHFA, HUD, FDIC; Rensselaer, NY rebuilt as sources refresh.
| Rank | Rensselaer, NY ZIP | Score |
|---|---|---|
| 1 | 12018 | 26/100 |
| 2 | 12022 | 26/100 |
| 3 | 12033 | 26/100 |
| 4 | 12040 | 26/100 |
| 5 | 12052 | 26/100 |
| 6 | 12061 | 26/100 |
| 7 | 12063 | 26/100 |
| 8 | 12082 | 26/100 |
| 9 | 12090 | 26/100 |
| 10 | 12121 | 26/100 |
| 11 | 12123 | 26/100 |
| 12 | 12138 | 26/100 |
Most distressed Rensselaer, NY ZIPs (0-100, 2026)
Mortgage delinquency in Rensselaer, NY
0.9% of Rensselaer, NY mortgages were ninety-plus days late (Rensselaer, NY, December 2025); Rensselaer, NY thirty-to-eighty-nine days late: 2.6%; Rensselaer, NY twelve-month change -0.3%; Rensselaer, NY peak since 2008: 4.0% (December 2011); New York overall 1.0%. Rensselaer, NY ninety-day series: Dec 24 1.2, Jan 25 0.9, Feb 25 0.6 (Rensselaer, NY), Mar 25 0.6, Apr 25 0.5, May 25 0.7 (Rensselaer, NY), Jun 25 0.9, Jul 25 0.8, Aug 25 0.7 (Rensselaer, NY), Sep 25 0.5, Oct 25 0.5, Nov 25 0.6 (Rensselaer, NY), Dec 25 0.9.
Opportunity index: Rensselaer, NY
Rensselaer, NY index 27.0, Rensselaer, NY phase weak; Rensselaer, NY primary driver construction, Rensselaer, NY second driver bank institutional. Rensselaer, NY components: property stress 16.0, foreclosure pressure 14.1, listing discounts 17.1, bank stress 57.2, insurance 0.0; Rensselaer, NY pulse 32.6; Rensselaer, NY capital opportunity 18.6.
ZIP market phases inside Rensselaer, NY
31 Rensselaer, NY ZIPs carry a price-cycle phase; Rensselaer, NY ZIPs by phase (Rensselaer, NY), deepest drawdown first: expansion, +6.6% YoY (Rensselaer, NY): 12018, 12022, 12033, 12040, Rensselaer, NY 12052, 12061, 12063, 12082, Rensselaer, NY 12090, 12118, 12121; peak, +4.9% YoY (Rensselaer, NY): 12024; expansion, +7.9% YoY (Rensselaer, NY): 12028; expansion, +8.7% YoY (Rensselaer, NY): 12057; expansion, +6.4% YoY (Rensselaer, NY): 12062; expansion, +6.9% YoY (Rensselaer, NY): 12094.
Residential listings by Rensselaer, NY ZIP
Rensselaer, NY ZIPs with the most tracked Rensselaer, NY residential listings: 12138 4 listings, 4 candidates, bank pressure 66; 12144 3 listings, 2 candidates, bank pressure 66; 12180 3 listings, 0 candidates, bank pressure 66; 12123 2 listings, 1 candidates, bank pressure 66 (Rensselaer, NY); 12153 2 listings, 0 candidates, bank pressure 66; 12168 2 listings, 2 candidates, bank pressure 66; 12140 1 listings, 1 candidates, bank pressure 66; 12018 0 listings, 0 candidates, bank pressure 66. Rensselaer, NY totals: 17 listings; Rensselaer, NY candidates 10; active ZIPs 7.
HUD assisted housing in Rensselaer, NY
9 assisted properties with 691 units sit in Rensselaer, NY; largest Rensselaer, NY properties: Oak Hill Apartments (Rensselaer) 220 units; Eastwyck Village Senior Apartments (Rensselaer) 144 units; Monument Square Apartments (Troy) 89 units, 89 assisted in Rensselaer, NY; Ninth Street Nsa Ii (Troy) 80 units, 80 assisted; Branson Manor Senior Apartments (Rensselaer) 50 units, 49 assisted; St. Jude Apartments (Wynantskill) 50 units, 49 assisted.
Lenders with branches in Rensselaer, NY
Rensselaer, NY lenders by branch count: Trustco Bank (Rensselaer, NY): stress 75, 7 branches low in Rensselaer, NY; Pioneer Bank National Assn (Rensselaer, NY): stress 68, 4 branches low in Rensselaer, NY; Manufacturers&Traders Tr Co (Rensselaer, NY): stress 52, 4 branches low in Rensselaer, NY; Arrow Bank National Assn (Rensselaer, NY): stress 70, 1 branch low in Rensselaer, NY; Community Bank National Assn (Rensselaer, NY): stress 68, 1 branch low in Rensselaer, NY; Bank Of Greene County (Rensselaer, NY): stress 65, 1 branch low in Rensselaer, NY; Nbt Bank National Assn (Rensselaer, NY): stress 61, 1 branch moderate in Rensselaer, NY.
Vacancy and permits, Rensselaer, NY
7,857 of 74,543 Rensselaer, NY housing units are vacant; Rensselaer, NY permits, twelve months: 103 multifamily units in Rensselaer, NY, 157 one-to-four unit units.
Work Rensselaer, NY at the parcel level
Every Rensselaer, NY parcel carries owner and address; every Rensselaer, NY parcel carries APN; Rensselaer, NY distress scores sit on the Rensselaer, NY live board.
Rensselaer, NY figures refresh with each source.
Rensselaer, NY questions
Most distressed ZIP code in Rensselaer County, NY?
ZIP 12018 leads Rensselaer, NY at 26/100; next in Rensselaer, NY: 12022 at 26/100; the Rensselaer, NY average is 25/100.
Where does Rensselaer County, NY rank for investment opportunity?
Rensselaer, NY is #2,205 among all ranked counties, #41 in New York; the Rensselaer, NY driver is construction; Rensselaer, NY moved down 515 places.
How many mortgages are delinquent in Rensselaer County, NY?
0.9% of Rensselaer, NY mortgages were ninety-plus days late in December 2025; the Rensselaer, NY peak since 2008 was 4.0%.
Which banks lend in Rensselaer County, NY?
7 watched lenders hold Rensselaer, NY branches; the largest Rensselaer, NY footprints are Trustco Bank (7), Pioneer Bank National Assn (4), Manufacturers&Traders Tr Co (4).
More on Rensselaer, NY
Rensselaer County, NY distress report: public-record figures for Rensselaer, NY; not legal advice for Rensselaer, NY; not tax or investment advice; verify every Rensselaer, NY record before acting.