Washington County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Washington County, New York? DLRadar grades every Washington County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Washington County breakdown.
- Washington County's most distressed ZIP is 12090 at 25/100.
- 28 ZIP codes tracked in Washington County, averaging 18/100 distress.
- Washington County reads expansion — home values up 9.1% year over year.
- Vacancy runs 18.6% across Washington County's tracked ZIPs, with a 10.2% poverty rate.
- The typical Washington County home is worth about $276,822 against a ~$79,331 median income.
- Lending headwind in Washington County sits at 71/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 12090 | 25/100 |
| 2 | 12883 | 25/100 |
| 3 | 12094 | 24/100 |
| 4 | 12185 | 23/100 |
| 5 | 12028 | 22/100 |
| 6 | 12154 | 22/100 |
| 7 | 12057 | 19/100 |
| 8 | 12828 | 19/100 |
| 9 | 12809 | 16/100 |
| 10 | 12816 | 16/100 |
| 11 | 12819 | 16/100 |
| 12 | 12821 | 16/100 |
Most distressed ZIP codes in Washington County (composite distress 0-100, 2026)
What is driving Washington County distress
Nothing here is estimated: Washington County is scored from filings alone, and its ZIPs average 18/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Washington County market phase and pricing
DLRadar places Washington County in expansion; prices moved up 9.1% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Washington County
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Common questions
Which part of Washington County, NY scores highest for distress?
ZIP 12090 leads Washington County at 25/100, recomputed monthly from public records.
Which phase does Washington County sit in right now?
Phase for Washington County: expansion, tracking a 9.1% gain year over year, read off the FHFA index.
What is this Washington County analysis built from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 28 Washington County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Washington County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Washington County ZIPs DLRadar ranks, scores run from 25/100 in 12090 down to 16/100 in 12821, against a Washington County average of 18/100. Those 9 points separate the ZIPs worth working in Washington County from the rest.
What do Washington County home values and vacancy say about distressed supply?
The typical Washington County home carries about $276,822 of value against a median household income near $79,331. Vacancy across Washington County's tracked ZIPs runs 18.6% and the poverty rate is 10.2%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Washington County's foreclosure and tax-lien filings and its 71/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.