Rensselaer County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Rensselaer County, New York? DLRadar grades every Rensselaer County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Rensselaer County breakdown.
- Rensselaer County's most distressed ZIP is 12018 at 25/100.
- 31 ZIP codes tracked in Rensselaer County, averaging 24/100 distress.
- Rensselaer County reads expansion — home values up 6.6% year over year.
- Vacancy runs 8.9% across Rensselaer County's tracked ZIPs, with a 9.1% poverty rate.
- The typical Rensselaer County home is worth about $264,938 against a ~$88,146 median income.
- Lending headwind in Rensselaer County sits at 51/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 12018 | 25/100 |
| 2 | 12022 | 25/100 |
| 3 | 12033 | 25/100 |
| 4 | 12040 | 25/100 |
| 5 | 12052 | 25/100 |
| 6 | 12061 | 25/100 |
| 7 | 12063 | 25/100 |
| 8 | 12082 | 25/100 |
| 9 | 12090 | 25/100 |
| 10 | 12121 | 25/100 |
| 11 | 12138 | 25/100 |
| 12 | 12140 | 25/100 |
Most distressed ZIP codes in Rensselaer County (composite distress 0-100, 2026)
What is driving Rensselaer County distress
Nothing here is estimated: Rensselaer County is scored from filings alone, and its ZIPs average 24/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Rensselaer County market phase and pricing
Phase for Rensselaer County: expansion (+6.6% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Rensselaer County
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Questions about this county
What is the most distressed ZIP code in Rensselaer County, NY?
ZIP 12018 leads Rensselaer County at 25/100, recomputed monthly from public records.
Which phase does Rensselaer County sit in right now?
Rensselaer County is classified expansion with a 6.6% year-over-year increase, following the FHFA House Price Index.
How is the Rensselaer County data sourced?
Rensselaer County draws on FHFA (expansion trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 31 ZIPs are comparable to anywhere else.
How much do distress scores vary between Rensselaer County ZIP codes?
A single county score papers over real variation. Across the Rensselaer County ZIPs DLRadar ranks, scores run from 25/100 in 12018 down to 25/100 in 12140, against a Rensselaer County average of 24/100. That 0-point gap is why acquisition targeting in Rensselaer County works at ZIP level rather than county level.
What do Rensselaer County home values and vacancy say about distressed supply?
The typical Rensselaer County home carries about $264,938 of value against a median household income near $88,146. Vacancy across Rensselaer County's tracked ZIPs runs 8.9% and the poverty rate is 9.1%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Rensselaer County's foreclosure and lien data and its 51/100 lending headwind.
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Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.