Westchester County, NY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Westchester County, New York? DLRadar grades every Westchester County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 29/100. Here is the 2026 Westchester County breakdown.
- Westchester County's most distressed ZIP is 10501 at 29/100.
- 78 ZIP codes tracked in Westchester County, averaging 29/100 distress.
- Westchester County reads peak — home values up 4.9% year over year.
- Vacancy runs 7% across Westchester County's tracked ZIPs, with a 8.4% poverty rate.
- The typical Westchester County home is worth about $724,583 against a ~$131,746 median income.
- Lending headwind in Westchester County sits at 51/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 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 ZIP codes in Westchester County (composite distress 0-100, 2026)
What is driving Westchester County distress
DLRadar builds Westchester County's distress picture only from records anyone can pull; its ZIPs average 29/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Westchester County market phase and pricing
Phase for Westchester County: peak (+4.9% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Westchester County
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Common questions
Where is distress highest inside Westchester County, NY?
ZIP 10501 leads Westchester County at 29/100, recomputed monthly from public records.
Is Westchester County expanding or contracting?
The market phase for Westchester County is peak, prices rising 4.9% on the year — derived from the FHFA House Price Index path.
What are the sources behind these Westchester County numbers?
Westchester County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 78 ZIPs are comparable to anywhere else.
How much do distress scores vary between Westchester County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Westchester County ZIPs DLRadar ranks, scores run from 29/100 in 10501 down to 29/100 in 10518, against a Westchester County average of 29/100. A spread of 0 points means Westchester County has to be worked ZIP by ZIP.
What do Westchester County home values and vacancy say about distressed supply?
The typical Westchester County home carries about $724,583 of value against a median household income near $131,746. Vacancy across Westchester County's tracked ZIPs runs 7% and the poverty rate is 8.4%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Westchester County's foreclosure and lien filings and its 51/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.