Ulster County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Ulster County, NY distress report, 2026: 63 ZIPs scored in Ulster, NY, Ulster, NY average 20/100; the top Ulster, NY ZIP is 12763 at 25/100; Ulster, NY market phase peak, Ulster, NY prices +2.3% year over year.
- Ulster, NY ranks #2,602 nationally (opportunity index); Ulster, NY #51 in New York; Ulster, NY index 25.4.
- Ulster, NY ninety-day mortgage delinquency 0.6% in December 2025; Ulster, NY twelve-month change -0.2%.
- Ulster, NY ZIP phases: 61 peak, 2 expansion.
- Ulster, NY residential listings tracked: 47 across 55 ZIPs; Ulster, NY candidate listings 22.
- Ulster, NY HUD assisted properties: 8 with 368 units.
- Ulster, NY lenders on watch: 8; largest Ulster, NY footprint Ulster Savings Bank (9 branches).
- Ulster, NY most distressed ZIP: 12763 at 25/100.
Ulster, NY figures: DLRadar distress index; Ulster, NY inputs: CFPB, FHFA, HUD, FDIC; Ulster, NY rebuilt as sources refresh.
| Rank | Ulster, NY ZIP | Score |
|---|---|---|
| 1 | 12763 | 25/100 |
| 2 | 12789 | 25/100 |
| 3 | 12455 | 24/100 |
| 4 | 12483 | 24/100 |
| 5 | 12758 | 24/100 |
| 6 | 12441 | 23/100 |
| 7 | 12566 | 23/100 |
| 8 | 12406 | 21/100 |
| 9 | 12465 | 21/100 |
| 10 | 12740 | 21/100 |
| 11 | 12401 | 20/100 |
| 12 | 12404 | 20/100 |
Most distressed Ulster, NY ZIPs (0-100, 2026)
Mortgage delinquency in Ulster, NY
0.6% of Ulster, NY mortgages were ninety-plus days late (Ulster, NY, December 2025); Ulster, NY thirty-to-eighty-nine days late: 1.8%; Ulster, NY twelve-month change -0.2%; Ulster, NY peak since 2008: 6.0% (January 2012); New York overall 1.0%. Ulster, NY ninety-day series: Dec 24 0.8, Jan 25 1.0, Feb 25 0.8 (Ulster, NY), Mar 25 0.8, Apr 25 0.6, May 25 0.8 (Ulster, NY), Jun 25 0.5, Jul 25 0.8, Aug 25 0.6 (Ulster, NY), Sep 25 0.6, Oct 25 0.5, Nov 25 0.5 (Ulster, NY), Dec 25 0.6.
Opportunity index: Ulster, NY
Ulster, NY index 25.4, Ulster, NY phase weak; Ulster, NY primary driver vacancy, Ulster, NY second driver bank institutional. Ulster, NY components: property stress 18.8, foreclosure pressure 17.6, listing discounts 21.9, bank stress 61.0, insurance 0.0; Ulster, NY pulse 28.8; Ulster, NY capital opportunity 20.4; Ulster, NY seven-day change +0.1%.
ZIP market phases inside Ulster, NY
63 Ulster, NY ZIPs carry a price-cycle phase; Ulster, NY ZIPs by phase (Ulster, NY), deepest drawdown first: peak, +2.3% YoY, 3.5% off peak (Ulster, NY): 12401, 12404, 12409, 12410, Ulster, NY 12411, 12412, 12416, 12417, Ulster, NY 12419, 12420, 12428, 12429, Ulster, NY 12432, 12433, 12435, 12440.
Residential listings by Ulster, NY ZIP
Ulster, NY ZIPs with the most tracked Ulster, NY residential listings: 12401 8 listings, 3 candidates, bank pressure 70; 12589 7 listings, 5 candidates, bank pressure 63; 12528 6 listings, 3 candidates, bank pressure 70; 12566 6 listings, 2 candidates, bank pressure 62 (Ulster, NY); 12456 3 listings, 2 candidates, bank pressure 70; 12542 3 listings, 2 candidates, bank pressure 63; 12428 2 listings, 1 candidates, bank pressure 70; 12446 2 listings, 1 candidates, bank pressure 70. Ulster, NY totals: 47 listings; Ulster, NY candidates 22; active ZIPs 5.
HUD assisted housing in Ulster, NY
8 assisted properties with 368 units sit in Ulster, NY; largest Ulster, NY properties: Broadway East Townhouses (Kingston) 122 units; New Paltz Family Housing (New Paltz) 101 units, 100 assisted; The Mill At Saugerties (Saugerties) 89 units in Ulster, NY; Tongore Pines (Olivebridge) 19 units, 19 assisted; Ulster Accessible Apartments (Port Ewen) 13 units, 13 assisted; Community Residence For The Handicapped Of Ulster (Kingston) 10 units, 10 assisted.
Lenders with branches in Ulster, NY
Ulster, NY lenders by branch count: Ulster Savings Bank (Ulster, NY): stress 83, 9 branches low in Ulster, NY; Manufacturers&Traders Tr Co (Ulster, NY): stress 52, 5 branches low in Ulster, NY; Rondout Savings Bank (Ulster, NY): stress 90, 4 branches low in Ulster, NY; Sawyer Savings Bank (Ulster, NY): stress 84, 4 branches low in Ulster, NY; Wallkill Valley Fs&La (Ulster, NY): stress 78, 2 branches low in Ulster, NY; Bank Of Greene County (Ulster, NY): stress 65, 2 branches low in Ulster, NY; Rhinebeck Bank (Ulster, NY): stress 76, 1 branch low in Ulster, NY; Walden Savings Bank (Ulster, NY): stress 73, 1 branch low in Ulster, NY.
Vacancy and permits, Ulster, NY
12,225 of 86,503 Ulster, NY housing units are vacant; Ulster, NY permits, twelve months: 346 multifamily units in Ulster, NY, 270 one-to-four unit units.
Work Ulster, NY at the parcel level
Every Ulster, NY parcel carries owner and address; every Ulster, NY parcel carries APN; Ulster, NY distress scores sit on the Ulster, NY live board.
Ulster, NY figures refresh with each source.
Ulster, NY questions
Most distressed ZIP code in Ulster County, NY?
ZIP 12763 leads Ulster, NY at 25/100; next in Ulster, NY: 12789 at 25/100; the Ulster, NY average is 20/100.
Where does Ulster County, NY rank for investment opportunity?
Ulster, NY is #2,602 among all ranked counties, #51 in New York; the Ulster, NY driver is vacancy; Ulster, NY moved down 45 places.
How many mortgages are delinquent in Ulster County, NY?
0.6% of Ulster, NY mortgages were ninety-plus days late in December 2025; the Ulster, NY peak since 2008 was 6.0%.
Which banks lend in Ulster County, NY?
8 watched lenders hold Ulster, NY branches; the largest Ulster, NY footprints are Ulster Savings Bank (9), Manufacturers&Traders Tr Co (5), Rondout Savings Bank (4).
More on Ulster, NY
Ulster County, NY distress report: public-record figures for Ulster, NY; not legal advice for Ulster, NY; not tax or investment advice; verify every Ulster, NY record before acting.