Washington County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Washington County, NY distress report, 2026: 28 ZIPs scored in Washington, NY, Washington, NY average 18/100; the top Washington, NY ZIP is 12090 at 26/100; Washington, NY market phase expansion, Washington, NY prices +9.1% year over year.
- Washington, NY ranks #941 nationally (opportunity index); Washington, NY #13 in New York; Washington, NY index 31.4.
- Washington, NY: no CFPB county sample; Washington, NY non-metro area reading 0.8%.
- Washington, NY ZIP phases: 28 expansion.
- Washington, NY residential listings tracked: 29 across 22 ZIPs; Washington, NY candidate listings 12.
- Washington, NY HUD assisted properties: 1 with 41 units.
- Washington, NY lenders on watch: 3; largest Washington, NY footprint Arrow Bank National Assn (9 branches).
- Washington, NY most distressed ZIP: 12090 at 26/100.
Washington, NY figures: DLRadar distress index; Washington, NY inputs: CFPB, FHFA, HUD, FDIC; Washington, NY rebuilt as sources refresh.
| Rank | Washington, NY ZIP | Score |
|---|---|---|
| 1 | 12090 | 26/100 |
| 2 | 12094 | 25/100 |
| 3 | 12185 | 24/100 |
| 4 | 12028 | 23/100 |
| 5 | 12154 | 23/100 |
| 6 | 12883 | 22/100 |
| 7 | 12057 | 20/100 |
| 8 | 12828 | 20/100 |
| 9 | 12809 | 17/100 |
| 10 | 12816 | 17/100 |
| 11 | 12819 | 17/100 |
| 12 | 12821 | 17/100 |
Most distressed Washington, NY ZIPs (0-100, 2026)
Mortgage delinquency around Washington, NY
No CFPB county sample covers Washington, NY; the non-metro area reading for Washington, NY: 0.8% ninety-plus; Washington, NY area thirty-to-eighty-nine 3.0% (December 2025, Washington, NY); New York overall 1.0%.
Opportunity index: Washington, NY
Washington, NY index 31.4, Washington, NY phase watchlist; Washington, NY primary driver vacancy, Washington, NY second driver bank institutional. Washington, NY components: property stress 20.4, foreclosure pressure 17.9, listing discounts 35.0, bank stress 65.1, insurance 0.0; Washington, NY pulse 35.6; Washington, NY capital opportunity 25.1.
ZIP market phases inside Washington, NY
28 Washington, NY ZIPs carry a price-cycle phase; Washington, NY ZIPs by phase (Washington, NY), deepest drawdown first: expansion, +7.9% YoY (Washington, NY): 12028; expansion, +8.7% YoY (Washington, NY): 12057; expansion, +6.6% YoY (Washington, NY): 12090; expansion, +6.9% YoY (Washington, NY): 12094; expansion, +7.7% YoY (Washington, NY): 12154; expansion, +7.2% YoY (Washington, NY): 12185; expansion, +9.1% YoY (Washington, NY): 12804, 12809, 12816, 12819, Washington, NY 12821, 12823, 12827, 12832, Washington, NY 12834; expansion, +8.5% YoY (Washington, NY): 12828.
Residential listings by Washington, NY ZIP
Washington, NY ZIPs with the most tracked Washington, NY residential listings: 12832 7 listings, 2 candidates, bank pressure 69; 12887 5 listings, 1 candidates, bank pressure 69; 12837 3 listings, 1 candidates, bank pressure 69; 12839 3 listings, 0 candidates, bank pressure 67 (Washington, NY); 12865 3 listings, 3 candidates, bank pressure 69; 12816 2 listings, 0 candidates, bank pressure 69; 12828 2 listings, 2 candidates, bank pressure 68; 12834 2 listings, 2 candidates, bank pressure 69. Washington, NY totals: 29 listings; Washington, NY candidates 12; active ZIPs 2.
HUD assisted housing in Washington, NY
1 assisted properties with 41 units sit in Washington, NY; largest Washington, NY properties: Mountainview Commons (Granville) 41 units, 40 assisted.
Lenders with branches in Washington, NY
Washington, NY lenders by branch count: Arrow Bank National Assn (Washington, NY): stress 70, 9 branches low in Washington, NY; Trustco Bank (Washington, NY): stress 75, 2 branches low in Washington, NY; Community Bank National Assn (Washington, NY): stress 68, 1 branch low in Washington, NY.
Vacancy and permits, Washington, NY
4,723 of 29,192 Washington, NY housing units are vacant; Washington, NY permits, twelve months: 0 multifamily units in Washington, NY, 100 one-to-four unit units.
Work Washington, NY at the parcel level
Every Washington, NY parcel carries owner and address; every Washington, NY parcel carries APN; Washington, NY distress scores sit on the Washington, NY live board.
Washington, NY figures refresh with each source.
Washington, NY questions
Most distressed ZIP code in Washington County, NY?
ZIP 12090 leads Washington, NY at 26/100; next in Washington, NY: 12094 at 25/100; the Washington, NY average is 18/100.
Where does Washington County, NY rank for investment opportunity?
Washington, NY is #941 among all ranked counties, #13 in New York; the Washington, NY driver is vacancy; Washington, NY moved up 21 places.
How many mortgages are delinquent in Washington County, NY?
Washington, NY takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Washington, NY.
Which banks lend in Washington County, NY?
3 watched lenders hold Washington, NY branches; the largest Washington, NY footprints are Arrow Bank National Assn (9), Trustco Bank (2), Community Bank National Assn (1).
More on Washington, NY
Washington County, NY distress report: public-record figures for Washington, NY; not legal advice for Washington, NY; not tax or investment advice; verify every Washington, NY record before acting.