Ulster County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Ulster County, New York? DLRadar grades every Ulster County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Ulster County breakdown.
- Ulster County's most distressed ZIP is 12455 at 27/100.
- 63 ZIP codes tracked in Ulster County, averaging 20/100 distress.
- Ulster County reads peak — home values up 2.3% year over year, 3.5% off peak.
- Vacancy runs 25.1% across Ulster County's tracked ZIPs, with a 14.6% poverty rate.
- The typical Ulster County home is worth about $347,681 against a ~$86,471 median income.
- Lending headwind in Ulster County sits at 81/100 — 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 | 12455 | 27/100 |
| 2 | 12441 | 24/100 |
| 3 | 12566 | 23/100 |
| 4 | 12406 | 21/100 |
| 5 | 12465 | 21/100 |
| 6 | 12483 | 21/100 |
| 7 | 12589 | 21/100 |
| 8 | 12758 | 21/100 |
| 9 | 12763 | 21/100 |
| 10 | 12789 | 21/100 |
| 11 | 12401 | 20/100 |
| 12 | 12404 | 20/100 |
Most distressed ZIP codes in Ulster County (composite distress 0-100, 2026)
What is driving Ulster County distress
Ulster County's placement in the national index rests on public filings — a 20/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Ulster County market phase and pricing
Ulster County currently sits in peak after a 2.3% gain in the past twelve months, 3.5% off the high. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Ulster County
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Questions about this county
What is the hardest-hit ZIP in Ulster County?
ZIP 12455 leads Ulster County at 27/100, recomputed monthly from public records.
Is Ulster County expanding or contracting?
Phase for Ulster County: peak, tracking a 2.3% gain year over year, read off the FHFA index.
How is the Ulster County data sourced?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 63 Ulster County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Ulster County ZIP codes?
Averaging the county conceals how uneven it is. Across the Ulster County ZIPs DLRadar ranks, scores run from 27/100 in 12455 down to 20/100 in 12404, against a Ulster County average of 20/100. A spread of 7 points means Ulster County has to be worked ZIP by ZIP.
What do Ulster County home values and vacancy say about distressed supply?
The typical Ulster County home carries about $347,681 of value against a median household income near $86,471. Vacancy across Ulster County's tracked ZIPs runs 25.1% and the poverty rate is 14.6%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Ulster County's foreclosure and lien data and its 81/100 lending headwind.
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Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.