Saratoga County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Saratoga County, New York? DLRadar grades every Saratoga County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Saratoga County breakdown.
- Saratoga County's most distressed ZIP is 12019 at 22/100.
- 27 ZIP codes tracked in Saratoga County, averaging 22/100 distress.
- Saratoga County reads expansion — home values up 6.6% year over year.
- Vacancy runs 13.9% across Saratoga County's tracked ZIPs, with a 8.6% poverty rate.
- The typical Saratoga County home is worth about $290,196 against a ~$95,136 median income.
- Lending headwind in Saratoga County sits at 75/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 12019 | 22/100 |
| 2 | 12020 | 22/100 |
| 3 | 12027 | 22/100 |
| 4 | 12065 | 22/100 |
| 5 | 12074 | 22/100 |
| 6 | 12118 | 22/100 |
| 7 | 12148 | 22/100 |
| 8 | 12151 | 22/100 |
| 9 | 12170 | 22/100 |
| 10 | 12188 | 22/100 |
| 11 | 12302 | 22/100 |
| 12 | 12803 | 22/100 |
Most distressed ZIP codes in Saratoga County (composite distress 0-100, 2026)
What is driving Saratoga County distress
DLRadar builds Saratoga County's distress picture only from records anyone can pull; its ZIPs average 22/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Saratoga County market phase and pricing
Phase for Saratoga County: expansion (+6.6% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Saratoga County
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Frequently asked questions
Which part of Saratoga County, NY scores highest for distress?
ZIP 12019 leads Saratoga County at 22/100, recomputed monthly from public records.
Is Saratoga County expanding or contracting?
Saratoga County is classified expansion with a 6.6% year-over-year increase, following the FHFA House Price Index.
Can the Saratoga County figures be verified?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 27 Saratoga County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Saratoga County ZIP codes?
A county average hides the spread. Across the Saratoga County ZIPs DLRadar ranks, scores run from 22/100 in 12019 down to 22/100 in 12803, against a Saratoga County average of 22/100. That 0-point gap is why acquisition targeting in Saratoga County works at ZIP level rather than county level.
What do Saratoga County home values and vacancy say about distressed supply?
The typical Saratoga County home carries about $290,196 of value against a median household income near $95,136. Vacancy across Saratoga County's tracked ZIPs runs 13.9% and the poverty rate is 8.6%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Saratoga County's foreclosure and lien filings and its 75/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.