New York Foreclosures, Tax Liens & Distressed Properties

New York is scored county by county and ZIP by ZIP in DLRadar's deterministic distress index. The phase distribution across counties: 37 peak, 24 expansion, 1 contraction. 62 counties and 1,825 ZIPs are tracked statewide, averaging 23/100. New York leans peak overall, with average prices up 5.2% YoY.

Distress concentrates in Cayuga County, Essex County, Schuyler County, Ulster County, Wayne County; open any for county- and ZIP-level detail.

The most-distressed New York ZIP codes are 13062 (36/100), 13068 (36/100), 13073 (36/100), 13102 (36/100), 14817 (36/100).

County by county, here is how market phase and distress break down across New York.

Albany County sits in expansion, up 6.6% on the year, bank stress 58/100. In Allegany County, expansion: homes +6.0% YoY, lender pressure 63/100. Bronx County — peak, appreciation near 4.9%, headwind 63/100. Broome County is peak (prices up 1.8%, 1.8% off peak, lender pressure 43/100). Cattaraugus County sits in peak, appreciation near 4.9%, lender pressure 54/100. Cayuga County is peak (prices up 4.9%, a 89/100 lender reading). DLRadar reads Chautauqua County as peak — appreciation near 4.9%, headwind 43/100.

Chemung County reads peak — values rising 4.0%, 2.4% off peak, lender pressure 68/100. Chenango County: expansion, appreciation near 6.0%, a 50/100 lender reading. Clinton County reads peak — prices up 4.9%, a 69/100 lender reading. Columbia County: peak, values rising 4.9%, bank stress 56/100. Cortland County sits in peak, prices up 4.9%, lender pressure 56/100. Delaware County is in its expansion phase, prices up 6.0%, bank stress 71/100. Dutchess County reads peak — homes +2.9% YoY, a 52/100 lender reading.

In Erie County, peak: appreciation near 4.1%, headwind 45/100. Essex County sits in expansion, appreciation near 6.0%, bank stress 85/100. Franklin County reads expansion — homes +6.0% YoY, a 68/100 lender reading. DLRadar reads Fulton County as peak — values rising 4.9%, bank stress 53/100. In Genesee County, peak: prices up 4.9%, bank stress 52/100. Greene County is expansion (up 6.0% on the year, bank stress 79/100). Hamilton County is in its expansion phase, homes +6.0% YoY, a 62/100 lender reading.

Herkimer County is expansion (values rising 9.6%, a 41/100 lender reading). Jefferson County is expansion (appreciation near 11.4%). In Kings County, peak: prices up 4.9%, a 65/100 lender reading. Lewis County: expansion, up 6.0% on the year, headwind 62/100. Livingston County sits in peak, up 3.7% on the year, lender pressure 66/100. Madison County is in its expansion phase, appreciation near 5.8%, a 57/100 lender reading. Monroe County — peak, prices up 3.7%, bank stress 53/100.

In Montgomery County, peak: homes +4.9% YoY, headwind 42/100. Nassau County: peak, prices up 4.9%, lender pressure 68/100. In New York County, peak: appreciation near 4.9%, a 59/100 lender reading. DLRadar reads Niagara County as peak — up 4.1% on the year, lender pressure 49/100. DLRadar reads Oneida County as expansion — up 9.6% on the year, headwind 34/100. DLRadar reads Onondaga County as expansion — values rising 5.8%, headwind 57/100. DLRadar reads Ontario County as peak — values rising 3.7%, headwind 72/100.

Orange County: peak, values rising 2.9%, headwind 50/100. Orleans County reads peak — values rising 3.7%, a 65/100 lender reading. Oswego County — expansion, prices up 5.8%, headwind 53/100. Otsego County: peak, homes +4.9% YoY, bank stress 57/100. Putnam County: peak, values rising 4.9%, headwind 15/100. Queens County is peak (up 4.9% on the year, bank stress 62/100). Rensselaer County: expansion, up 6.6% on the year, bank stress 51/100.

In Richmond County, peak: values rising 4.9%, a 74/100 lender reading. In Rockland County, peak: up 4.9% on the year, a 46/100 lender reading. DLRadar reads Saratoga County as expansion — prices up 6.6%, lender pressure 75/100. In Schenectady County, expansion: values rising 6.6%, lender pressure 71/100. Schoharie County sits in expansion, prices up 6.6%, headwind 71/100. DLRadar reads Schuyler County as expansion — up 6.0% on the year, lender pressure 81/100. Seneca County sits in peak, values rising 4.9%, headwind 63/100.

Steuben County is peak (values rising 4.9%, a 69/100 lender reading).

New York opportunity phases: 30 weak, 16 early_signal, 10 watchlist, 4 peak_opportunity, 1 overheated, 1 strong_buy; New York average index 28.5. Best-ranked New York counties: Steuben #79 (37.9), vacancy; Fulton #214 (35.7), construction; Chenango #385 (34.1), vacancy in New York; Allegany #433 (33.8), vacancy; Yates #527 (33.3), vacancy; Delaware #628 (32.8), vacancy.

New York mortgages ninety-plus days late: 1.0%; New York thirty-to-eighty-nine days late 2.0% (December 2025); 22 New York counties sit in the CFPB sample; highest New York county readings: Oneida 1.8%, Niagara 1.5%, Schenectady 1.3%, Bronx 1.3%, Broome 1.3%.

New York county unemployment averages 4.1% across 62 counties; New York permitted 48,587 housing units in twelve months (37,098 multifamily); 862,595 of 8,585,241 New York housing units are vacant; 3,504,163 New York renter households, 44.4% spending 30%+ of income on rent.

New York ZIP price-cycle phases: 5,297 peak, 1,547 expansion, 413 contraction, 368 neutral, 249 recovery.