Schenectady County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Schenectady County, NY distress report, 2026: 19 ZIPs scored in Schenectady, NY, Schenectady, NY average 22/100; the top Schenectady, NY ZIP is 12009 at 26/100; Schenectady, NY market phase expansion, Schenectady, NY prices +6.6% year over year.
- Schenectady, NY ranks #2,689 nationally (opportunity index); Schenectady, NY #54 in New York; Schenectady, NY index 25.0.
- Schenectady, NY ninety-day mortgage delinquency 1.3% in December 2025; Schenectady, NY twelve-month change +0.6%.
- Schenectady, NY ZIP phases: 19 expansion.
- Schenectady, NY residential listings tracked: 15 across 12 ZIPs; Schenectady, NY candidate listings 6.
- Schenectady, NY HUD assisted properties: 7 with 594 units.
- Schenectady, NY lenders on watch: 8; largest Schenectady, NY footprint Trustco Bank (12 branches).
- Schenectady, NY most distressed ZIP: 12009 at 26/100.
Schenectady, NY figures: DLRadar distress index; Schenectady, NY inputs: CFPB, FHFA, HUD, FDIC; Schenectady, NY rebuilt as sources refresh.
| Rank | Schenectady, NY ZIP | Score |
|---|---|---|
| 1 | 12009 | 26/100 |
| 2 | 12303 | 25/100 |
| 3 | 12304 | 24/100 |
| 4 | 12019 | 23/100 |
| 5 | 12027 | 23/100 |
| 6 | 12137 | 23/100 |
| 7 | 12309 | 23/100 |
| 8 | 12053 | 22/100 |
| 9 | 12302 | 22/100 |
| 10 | 12306 | 22/100 |
| 11 | 12008 | 21/100 |
| 12 | 12010 | 21/100 |
Most distressed Schenectady, NY ZIPs (0-100, 2026)
Mortgage delinquency in Schenectady, NY
1.3% of Schenectady, NY mortgages were ninety-plus days late (Schenectady, NY, December 2025); Schenectady, NY thirty-to-eighty-nine days late: 2.6%; Schenectady, NY twelve-month change +0.6%; Schenectady, NY peak since 2008: 5.1% (January 2012); New York overall 1.0%. Schenectady, NY ninety-day series: Dec 24 0.7, Jan 25 0.8, Feb 25 0.6 (Schenectady, NY), Mar 25 0.7, Apr 25 0.9, May 25 0.9 (Schenectady, NY), Jun 25 0.9, Jul 25 0.9, Aug 25 1.1 (Schenectady, NY), Sep 25 1.1, Oct 25 1.1, Nov 25 1.2 (Schenectady, NY), Dec 25 1.3.
Opportunity index: Schenectady, NY
Schenectady, NY index 25.0, Schenectady, NY phase weak; Schenectady, NY primary driver bank institutional, Schenectady, NY second driver construction. Schenectady, NY components: property stress 10.3, foreclosure pressure 6.8, listing discounts 23.9, bank stress 62.2, insurance 0.0; Schenectady, NY pulse 28.9; Schenectady, NY capital opportunity 19.2; Schenectady, NY seven-day change +0.4%.
ZIP market phases inside Schenectady, NY
19 Schenectady, NY ZIPs carry a price-cycle phase; Schenectady, NY ZIPs by phase (Schenectady, NY), deepest drawdown first: expansion, +6.6% YoY (Schenectady, NY): 12008, 12009, 12019, 12027, Schenectady, NY 12056, 12150, 12157, 12302, Schenectady, NY 12303, 12304, 12305, 12306; expansion, +5.2% YoY (Schenectady, NY): 12010; expansion, +6.5% YoY (Schenectady, NY): 12053; expansion, +5.8% YoY (Schenectady, NY): 12066; expansion, +6.3% YoY (Schenectady, NY): 12137.
Residential listings by Schenectady, NY ZIP
Schenectady, NY ZIPs with the most tracked Schenectady, NY residential listings: 12304 6 listings, 2 candidates, bank pressure 67; 12302 3 listings, 0 candidates, bank pressure 67; 12053 2 listings, 1 candidates, bank pressure 68; 12309 2 listings, 2 candidates, bank pressure 67 (Schenectady, NY); 12056 1 listings, 1 candidates, bank pressure 66; 12306 1 listings, 0 candidates, bank pressure 67; 12008 0 listings, 0 candidates, bank pressure 66; 12137 0 listings, 0 candidates, bank pressure 66. Schenectady, NY totals: 15 listings; Schenectady, NY candidates 6; active ZIPs 6.
HUD assisted housing in Schenectady, NY
7 assisted properties with 594 units sit in Schenectady, NY; largest Schenectady, NY properties: Southgate Apts (Schenectady) 292 units, 269 assisted; State Hulett Nsa (Schenectady) 105 units, 104 assisted; Father Leo O'Brien Senior Housing (Schenectady) 50 units, 49 assisted in Schenectady, NY; Mont Pleasant Senior Housing (Schenectady) 50 units, 49 assisted; Schenectady Bnai Brith (Schenectady) 50 units, 49 assisted; Schenectady Forty Apts (Schenectady) 40 units.
Lenders with branches in Schenectady, NY
Schenectady, NY lenders by branch count: Trustco Bank (Schenectady, NY): stress 75, 12 branches elevated in Schenectady, NY; First Nb Of Scotia (Schenectady, NY): stress 78, 6 branches elevated in Schenectady, NY; Arrow Bank National Assn (Schenectady, NY): stress 70, 2 branches moderate in Schenectady, NY; Pioneer Bank National Assn (Schenectady, NY): stress 68, 2 branches moderate in Schenectady, NY; Nbt Bank National Assn (Schenectady, NY): stress 61, 2 branches moderate in Schenectady, NY; Manufacturers&Traders Tr Co (Schenectady, NY): stress 52, 2 branches moderate in Schenectady, NY; Community Bank National Assn (Schenectady, NY): stress 68, 1 branch moderate in Schenectady, NY; Chemung Canal Trust Co (Schenectady, NY): stress 60, 1 branch moderate in Schenectady, NY.
Vacancy and permits, Schenectady, NY
4,342 of 71,244 Schenectady, NY housing units are vacant; Schenectady, NY permits, twelve months: 50 multifamily units in Schenectady, NY, 60 one-to-four unit units.
Work Schenectady, NY at the parcel level
Every Schenectady, NY parcel carries owner and address; every Schenectady, NY parcel carries APN; Schenectady, NY distress scores sit on the Schenectady, NY live board.
Schenectady, NY figures refresh with each source.
Schenectady, NY questions
Most distressed ZIP code in Schenectady County, NY?
ZIP 12009 leads Schenectady, NY at 26/100; next in Schenectady, NY: 12303 at 25/100; the Schenectady, NY average is 22/100.
Where does Schenectady County, NY rank for investment opportunity?
Schenectady, NY is #2,689 among all ranked counties, #54 in New York; the Schenectady, NY driver is bank institutional; Schenectady, NY moved down 144 places.
How many mortgages are delinquent in Schenectady County, NY?
1.3% of Schenectady, NY mortgages were ninety-plus days late in December 2025; the Schenectady, NY peak since 2008 was 5.1%.
Which banks lend in Schenectady County, NY?
8 watched lenders hold Schenectady, NY branches; the largest Schenectady, NY footprints are Trustco Bank (12), First Nb Of Scotia (6), Arrow Bank National Assn (2).
More on Schenectady, NY
Schenectady County, NY distress report: public-record figures for Schenectady, NY; not legal advice for Schenectady, NY; not tax or investment advice; verify every Schenectady, NY record before acting.