Westchester County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Westchester County, NY distress report, 2026: 78 ZIPs scored in Westchester, NY, Westchester, NY average 29/100; the top Westchester, NY ZIP is 10501 at 29/100; Westchester, NY market phase peak, Westchester, NY prices +4.9% year over year.
- Westchester, NY ranks #2,715 nationally (opportunity index); Westchester, NY #55 in New York; Westchester, NY index 24.9.
- Westchester, NY ninety-day mortgage delinquency 0.6% in December 2025; Westchester, NY twelve-month change -0.2%.
- Westchester, NY ZIP phases: 78 peak.
- Westchester, NY residential listings tracked: 423 across 60 ZIPs; Westchester, NY candidate listings 127.
- Westchester, NY HUD assisted properties: 25 with 3,068 units.
- Westchester, NY lenders on watch: 8; largest Westchester, NY footprint Manufacturers&Traders Tr Co (17 branches).
- Westchester, NY most distressed ZIP: 10501 at 29/100.
Westchester, NY figures: DLRadar distress index; Westchester, NY inputs: CFPB, FHFA, HUD, FDIC; Westchester, NY rebuilt as sources refresh.
| Rank | Westchester, NY ZIP | Score |
|---|---|---|
| 1 | 10501 | 29/100 |
| 2 | 10502 | 29/100 |
| 3 | 10503 | 29/100 |
| 4 | 10504 | 29/100 |
| 5 | 10505 | 29/100 |
| 6 | 10506 | 29/100 |
| 7 | 10507 | 29/100 |
| 8 | 10510 | 29/100 |
| 9 | 10511 | 29/100 |
| 10 | 10514 | 29/100 |
| 11 | 10517 | 29/100 |
| 12 | 10518 | 29/100 |
Most distressed Westchester, NY ZIPs (0-100, 2026)
Mortgage delinquency in Westchester, NY
0.6% of Westchester, NY mortgages were ninety-plus days late (Westchester, NY, December 2025); Westchester, NY thirty-to-eighty-nine days late: 1.3%; Westchester, NY twelve-month change -0.2%; Westchester, NY peak since 2008: 4.4% (June 2012); New York overall 1.0%. Westchester, NY ninety-day series: Dec 24 0.8, Jan 25 0.8, Feb 25 0.7 (Westchester, NY), Mar 25 0.7, Apr 25 0.7, May 25 0.8 (Westchester, NY), Jun 25 0.8, Jul 25 0.8, Aug 25 0.7 (Westchester, NY), Sep 25 0.7, Oct 25 0.6, Nov 25 0.6 (Westchester, NY), Dec 25 0.6.
Opportunity index: Westchester, NY
Westchester, NY index 24.9, Westchester, NY phase weak; Westchester, NY primary driver bank institutional, Westchester, NY second driver vacancy. Westchester, NY components: property stress 17.0, foreclosure pressure 14.2, listing discounts 25.3, bank stress 57.9, insurance 0.0; Westchester, NY pulse 26.7; Westchester, NY capital opportunity 22.2; Westchester, NY seven-day change +0.2%.
ZIP market phases inside Westchester, NY
78 Westchester, NY ZIPs carry a price-cycle phase; Westchester, NY ZIPs by phase (Westchester, NY), deepest drawdown first: peak, +4.9% YoY (Westchester, NY): 10470, 10501, 10502, 10503, Westchester, NY 10504, 10505, 10506, 10507, Westchester, NY 10509, 10510, 10511, 10514, Westchester, NY 10517, 10518, 10519, 10520.
Residential listings by Westchester, NY ZIP
Westchester, NY ZIPs with the most tracked Westchester, NY residential listings: 10583 61 listings, 19 candidates, bank pressure 63; 10801 42 listings, 16 candidates, bank pressure 63; 10603 28 listings, 9 candidates, bank pressure 63; 10804 27 listings, 6 candidates, bank pressure 63 (Westchester, NY); 10701 20 listings, 4 candidates, bank pressure 63; 10708 19 listings, 7 candidates, bank pressure 63; 10705 17 listings, 5 candidates, bank pressure 63; 10605 16 listings, 4 candidates, bank pressure 63. Westchester, NY totals: 423 listings; Westchester, NY candidates 127; active ZIPs 50.
HUD assisted housing in Westchester, NY
25 assisted properties with 3,068 units sit in Westchester, NY; largest Westchester, NY properties: Schlobohm Walsh And Flynn Apts. (Mhacy) (Yonkers) 853 units; Riverview Ii Apartments (Yonkers) 343 units; Parkledge Apartments (Yonkers) 310 units in Westchester, NY; Beaveridge (Yorktown Heights) 169 units, 167 assisted; Greater Centennial Homes (Mount Vernon) 157 units, 144 assisted; Soundview Apts. (New Rochelle) 136 units, 135 assisted.
Lenders with branches in Westchester, NY
Westchester, NY lenders by branch count: Manufacturers&Traders Tr Co (Westchester, NY): stress 52, 17 branches low in Westchester, NY; Trustco Bank (Westchester, NY): stress 75, 8 branches low in Westchester, NY; Apple Bank (Westchester, NY): stress 89, 6 branches low in Westchester, NY; Orange Bank&Trust Co (Westchester, NY): stress 49, 6 branches low in Westchester, NY; Flagstar Bank National Assn (Westchester, NY): stress 90, 5 branches low in Westchester, NY; Tompkins Community Bank (Westchester, NY): stress 65, 5 branches low in Westchester, NY; Ridgewood Savings Bank (Westchester, NY): stress 67, 2 branches low in Westchester, NY; Sunnyside Fs&La Of Irvington (Westchester, NY): stress 83, 1 branch low in Westchester, NY.
Vacancy and permits, Westchester, NY
21,475 of 394,358 Westchester, NY housing units are vacant; Westchester, NY permits, twelve months: 1,015 multifamily units in Westchester, NY, 284 one-to-four unit units.
Work Westchester, NY at the parcel level
Every Westchester, NY parcel carries owner and address; every Westchester, NY parcel carries APN; Westchester, NY distress scores sit on the Westchester, NY live board.
Westchester, NY figures refresh with each source.
Westchester, NY questions
Most distressed ZIP code in Westchester County, NY?
ZIP 10501 leads Westchester, NY at 29/100; next in Westchester, NY: 10502 at 29/100; the Westchester, NY average is 29/100.
Where does Westchester County, NY rank for investment opportunity?
Westchester, NY is #2,715 among all ranked counties, #55 in New York; the Westchester, NY driver is bank institutional; Westchester, NY moved up 187 places.
How many mortgages are delinquent in Westchester County, NY?
0.6% of Westchester, NY mortgages were ninety-plus days late in December 2025; the Westchester, NY peak since 2008 was 4.4%.
Which banks lend in Westchester County, NY?
8 watched lenders hold Westchester, NY branches; the largest Westchester, NY footprints are Manufacturers&Traders Tr Co (17), Trustco Bank (8), Apple Bank (6).
More on Westchester, NY
Westchester County, NY distress report: public-record figures for Westchester, NY; not legal advice for Westchester, NY; not tax or investment advice; verify every Westchester, NY record before acting.