Richmond County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Richmond County, NY distress report, 2026: 13 ZIPs scored in Richmond, NY, Richmond, NY average 19/100; the top Richmond, NY ZIP is 10301 at 19/100; Richmond, NY market phase peak, Richmond, NY prices +4.9% year over year.
- Richmond, NY ranks #2,626 nationally (opportunity index); Richmond, NY #52 in New York; Richmond, NY index 25.3.
- Richmond, NY ninety-day mortgage delinquency 1.0% in December 2025; Richmond, NY twelve-month change +0.2%.
- Richmond, NY ZIP phases: 13 peak.
- Richmond, NY residential listings tracked: 105 across 13 ZIPs; Richmond, NY candidate listings 44.
- Richmond, NY HUD assisted properties: 13 with 2,237 units.
- Richmond, NY lenders on watch: 7; largest Richmond, NY footprint Flagstar Bank National Assn (14 branches).
- Richmond, NY most distressed ZIP: 10301 at 19/100.
Richmond, NY figures: DLRadar distress index; Richmond, NY inputs: CFPB, FHFA, HUD, FDIC; Richmond, NY rebuilt as sources refresh.
| Rank | Richmond, NY ZIP | Score |
|---|---|---|
| 1 | 10301 | 19/100 |
| 2 | 10302 | 19/100 |
| 3 | 10303 | 19/100 |
| 4 | 10304 | 19/100 |
| 5 | 10305 | 19/100 |
| 6 | 10306 | 19/100 |
| 7 | 10307 | 19/100 |
| 8 | 10308 | 19/100 |
| 9 | 10309 | 19/100 |
| 10 | 10310 | 19/100 |
| 11 | 10311 | 19/100 |
| 12 | 10312 | 19/100 |
Most distressed Richmond, NY ZIPs (0-100, 2026)
Mortgage delinquency in Richmond, NY
1.0% of Richmond, NY mortgages were ninety-plus days late (Richmond, NY, December 2025); Richmond, NY thirty-to-eighty-nine days late: 1.7%; Richmond, NY twelve-month change +0.2%; Richmond, NY peak since 2008: 6.1% (October 2010); New York overall 1.0%. Richmond, NY ninety-day series: Dec 24 0.8, Jan 25 1.0, Feb 25 1.1 (Richmond, NY), Mar 25 1.0, Apr 25 1.0, May 25 1.0 (Richmond, NY), Jun 25 1.1, Jul 25 1.0, Aug 25 1.1 (Richmond, NY), Sep 25 1.0, Oct 25 0.9, Nov 25 0.9 (Richmond, NY), Dec 25 1.0.
Opportunity index: Richmond, NY
Richmond, NY index 25.3, Richmond, NY phase weak; Richmond, NY primary driver bank institutional, Richmond, NY second driver vacancy. Richmond, NY components: property stress 19.0, foreclosure pressure 19.2, listing discounts 24.5, bank stress 64.7, insurance 0.0; Richmond, NY pulse 28.3; Richmond, NY capital opportunity 20.7.
ZIP market phases inside Richmond, NY
13 Richmond, NY ZIPs carry a price-cycle phase; Richmond, NY ZIPs by phase (Richmond, NY), deepest drawdown first: peak, +4.9% YoY (Richmond, NY): 10301, 10302, 10303, 10304, Richmond, NY 10305, 10306, 10307, 10308, Richmond, NY 10309, 10310, 10311, 10312, Richmond, NY 10314.
Residential listings by Richmond, NY ZIP
Richmond, NY ZIPs with the most tracked Richmond, NY residential listings: 10314 18 listings, 6 candidates, bank pressure 71; 10304 13 listings, 7 candidates, bank pressure 71; 10312 12 listings, 5 candidates, bank pressure 71; 10309 11 listings, 3 candidates, bank pressure 71 (Richmond, NY); 10306 9 listings, 4 candidates, bank pressure 71; 10310 9 listings, 3 candidates, bank pressure 71; 10301 8 listings, 6 candidates, bank pressure 71; 10303 8 listings, 1 candidates, bank pressure 71. Richmond, NY totals: 105 listings; Richmond, NY candidates 44; active ZIPs 12.
HUD assisted housing in Richmond, NY
13 assisted properties with 2,237 units sit in Richmond, NY; largest Richmond, NY properties: North Shore Plaza (Staten Island) 535 units; Castleton Park (Staten Island) 454 units, 139 assisted; Concord Court And Seaside Plaza (Staten Island) 430 units, 420 assisted in Richmond, NY; Seaview Site C (Brooklyn) 161 units; Richmond Gardens (Staten Island) 141 units, 140 assisted; Seaview Manor (Staten Island) 80 units, 79 assisted.
Lenders with branches in Richmond, NY
Richmond, NY lenders by branch count: Flagstar Bank National Assn (Richmond, NY): stress 90, 14 branches low in Richmond, NY; Northfield Bank (Richmond, NY): stress 61, 12 branches low in Richmond, NY; Empire State Bank (Richmond, NY): stress 74, 4 branches low in Richmond, NY; Manufacturers&Traders Tr Co (Richmond, NY): stress 52, 4 branches low in Richmond, NY; Apple Bank (Richmond, NY): stress 89, 1 branch low in Richmond, NY; Israel Discount Bank Of Ny (Richmond, NY): stress 75, 1 branch low in Richmond, NY; Dime Commercial Bank (Richmond, NY): stress 66, 1 branch low in Richmond, NY.
Vacancy and permits, Richmond, NY
13,844 of 184,621 Richmond, NY housing units are vacant; Richmond, NY permits, twelve months: 75 multifamily units in Richmond, NY, 632 one-to-four unit units.
Work Richmond, NY at the parcel level
Every Richmond, NY parcel carries owner and address; every Richmond, NY parcel carries APN; Richmond, NY distress scores sit on the Richmond, NY live board.
Richmond, NY figures refresh with each source.
Richmond, NY questions
Most distressed ZIP code in Richmond County, NY?
ZIP 10301 leads Richmond, NY at 19/100; next in Richmond, NY: 10302 at 19/100; the Richmond, NY average is 19/100.
Where does Richmond County, NY rank for investment opportunity?
Richmond, NY is #2,626 among all ranked counties, #52 in New York; the Richmond, NY driver is bank institutional; Richmond, NY moved up 28 places.
How many mortgages are delinquent in Richmond County, NY?
1.0% of Richmond, NY mortgages were ninety-plus days late in December 2025; the Richmond, NY peak since 2008 was 6.1%.
Which banks lend in Richmond County, NY?
7 watched lenders hold Richmond, NY branches; the largest Richmond, NY footprints are Flagstar Bank National Assn (14), Northfield Bank (12), Empire State Bank (4).
More on Richmond, NY
Richmond County, NY distress report: public-record figures for Richmond, NY; not legal advice for Richmond, NY; not tax or investment advice; verify every Richmond, NY record before acting.