Schenectady County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Schenectady County, New York? DLRadar grades every Schenectady County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Schenectady County breakdown.
- Schenectady County's most distressed ZIP is 12009 at 26/100.
- 19 ZIP codes tracked in Schenectady County, averaging 22/100 distress.
- Schenectady County reads expansion — home values up 6.6% year over year.
- Vacancy runs 6.6% across Schenectady County's tracked ZIPs, with a 10.3% poverty rate.
- The typical Schenectady County home is worth about $257,763 against a ~$84,609 median income.
- Lending headwind in Schenectady County sits at 71/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 12009 | 26/100 |
| 2 | 12303 | 25/100 |
| 3 | 12304 | 24/100 |
| 4 | 12137 | 23/100 |
| 5 | 12309 | 23/100 |
| 6 | 12019 | 22/100 |
| 7 | 12027 | 22/100 |
| 8 | 12053 | 22/100 |
| 9 | 12302 | 22/100 |
| 10 | 12306 | 22/100 |
| 11 | 12008 | 21/100 |
| 12 | 12010 | 21/100 |
Most distressed ZIP codes in Schenectady County (composite distress 0-100, 2026)
What is driving Schenectady County distress
Nothing here is estimated: Schenectady County is scored from filings alone, and its ZIPs average 22/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Schenectady County market phase and pricing
Schenectady County reads expansion — home prices rose 6.6% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Schenectady County
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Questions about this county
What is the hardest-hit ZIP in Schenectady County?
ZIP 12009 leads Schenectady County at 26/100, recomputed monthly from public records.
What stage of the price cycle is Schenectady County at?
FHFA price-index movement places Schenectady County in expansion; prices are up 6.6% over twelve months.
What are the sources behind these Schenectady County numbers?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 19 Schenectady County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Schenectady County ZIP codes?
One county number flattens a wide range. Across the Schenectady County ZIPs DLRadar ranks, scores run from 26/100 in 12009 down to 21/100 in 12010, against a Schenectady County average of 22/100. A spread of 5 points means Schenectady County has to be worked ZIP by ZIP.
What do Schenectady County home values and vacancy say about distressed supply?
The typical Schenectady County home carries about $257,763 of value against a median household income near $84,609. Vacancy across Schenectady County's tracked ZIPs runs 6.6% and the poverty rate is 10.3%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Schenectady County's foreclosure and tax-lien filings and its 71/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.