New York County Foreclosure & Distress Reports (2026)
One report per county — 62 in New York — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the New York distress hub; insurance pressure is on the New York home-insurance page.
62 New York county reports sit in this archive; New York opportunity phases run 30 weak, 17 early_signal, 9 watchlist; New York ninety-day delinquency 1.0%; 127 banks chartered in New York; 119,660 HUD-assisted New York units.
New York counties to open first by opportunity rank: Steuben (#86, strong_buy); Fulton (#208, peak_opportunity); Chenango (#403, peak_opportunity) in New York; Allegany (#443, peak_opportunity); Delaware (#626, peak_opportunity); Yates (#626, overheated).
New York insurance bands across counties: 36 low in New York, 19 medium, 6 zero, 1 high; New York NFIP claims 1,507 in three years.
New York counties in the peak phase (37): Bronx, Broome, Cattaraugus, Cayuga, Chautauqua, Chemung (New York), Clinton, Columbia, Cortland, Dutchess, Erie, Fulton (New York), Genesee, Kings, Livingston, Monroe, Montgomery, Nassau (New York), New York, Niagara, Ontario, Orange, Orleans, Otsego (New York), Putnam, Queens, Richmond, Rockland, Seneca, Steuben (New York), St. Lawrence, Suffolk, Sullivan, Tioga, Ulster, Wayne (New York), Westchester.
New York counties in the expansion phase (24): Albany, Allegany, Chenango, Delaware, Essex, Franklin (New York), Greene, Hamilton, Herkimer, Jefferson, Lewis, Madison (New York), Oneida, Onondaga, Oswego, Rensselaer, Saratoga, Schenectady (New York), Schoharie, Schuyler, Warren, Washington, Wyoming, Yates.
New York counties in the contraction phase (1): Tompkins.
New York permitted 48,587 housing units in twelve months; 862,595 New York units sit vacant of 8,585,241.
New York counties highest on the national opportunity index: Steuben #86 (37.6/100, strong_buy); Fulton #208 (35.7/100, peak_opportunity); Chenango #403 (33.9/100, peak_opportunity) in New York; Allegany #443 (33.7/100, peak_opportunity); Yates #626 (32.7/100, overheated); Delaware #626 (32.7/100, peak_opportunity) in New York; Cattaraugus #651 (32.6/100, watchlist); Herkimer #695 (32.4/100, watchlist); Hamilton #740 (32.2/100, early_signal) in New York; Suffolk #740 (32.2/100, watchlist); Montgomery #760 (32.1/100, watchlist); Oswego #816 (31.9/100, watchlist) in New York.
How the New York county reports are scored: each New York report reads its county's foreclosure filings, New York tax-lien and tax-deed records, FHA mortgage delinquency in New York (ninety-day rate 1.0%, December 2025), the FDIC stress of New York lenders (127 chartered in New York) and FEMA/NFIP pressure on New York (1,507 NFIP claims, three years), then scores every New York ZIP 0-100.
Steuben County leads New York on the opportunity index at #86 nationally with 40 scored ZIPs. Every New York report is rebuilt monthly from public records; a New York county whose data lapses keeps its New York page and says so.