Albany County, NY: Foreclosures, Tax Liens & Distressed Properties
Albany County, NY, New York: 47 ZIP codes scored, Albany County, NY averaging 25/100 (low, Albany, NY), from 11 to 26. Albany County, NY is in its expansion phase (Albany, NY confidence 39/100): Albany, NY home prices up 6.6% (Albany, NY) over twelve months. Albany County, NY lender headwind: 58/100.
Highest-scoring Albany County, NY ZIPs: 12007 (26/100), 12009 (26/100), 12041 (26/100), 12045 (26/100), 12046 (26/100), 12047 (26/100). Also scored in Albany County, NY: 12054, 12059, 12067, 12077, 12084, 12085, 12110, 12120, 12147, 12158.
Across Albany County, NY's scored ZIPs: median home value $279,309, household income $86,123, 12.4% vacancy, 9.8% poverty, 66% owner-occupied, median age 42.7.
Albany County, NY insurance distress 27/100 (#1,707 in the US); FEMA hazard 0/100 for Albany, NY; 23 Albany, NY NFIP flood claims, $264K paid; Albany, NY construction distress 70/100.
17 banks with 102 branches lend in Albany County, NY; Albany, NY weighted bank stress 68/100, highest 90/100 in Albany, NY.
Albany County, NY unemployment 3.9% (Albany, NY -0.1 pts, six months); 566 new housing units permitted in Albany County, NY over twelve months, Albany, NY down 20% from 710; Albany, NY home prices +9.4% a year (Albany, NY) over three years.
147,662 housing units in Albany County, NY; 57,443 Albany, NY renter households; 43% of Albany, NY renters spend 30%+ of income on rent, 24% (Albany, NY) half or more.
Albany County, NY ranks #2,204 nationally on the opportunity index (Albany, NY, among all ranked counties); Albany, NY scores 27.0/100 and Albany, NY sits #41 inside New York. Albany, NY is in the weak opportunity phase; Albany, NY's primary driver is construction, Albany, NY second driver bank institutional; Albany, NY moved down 67 places. 45 short-sale listings across Albany, NY; 81 days on market observed in Albany, NY; 8.6% vacancy over 47 Albany, NY ZIPs.
0.8% of Albany County, NY mortgages were ninety-plus days late in December 2025; Albany, NY's thirty-to-eighty-nine-day share was 1.7% (CFPB county sample). Albany, NY's ninety-day rate is down 0.2 points on twelve months earlier; the Albany, NY peak since 2008 was 3.7% in April 2012; New York overall reads 1.0%.
Albany County, NY has 11 watched banks; 11 Albany, NY banks sit in an elevated band. Albany, NY footprints: Trustco Bank (18 branches, stress 75) in Albany, NY; Pioneer Bank National Assn (9 branches, stress 68) in Albany, NY; Community Bank National Assn (6 branches, stress 68) in Albany, NY.
HUD lists 23 assisted multifamily properties in Albany County, NY with 1,802 units; 853 Albany, NY units are assisted, 9 Albany, NY properties under project-based Section 8.
12,959 of the 147,662 housing units in Albany, NY sit vacant. Albany County, NY permitted 294 multifamily units in twelve months; Albany, NY's one-to-four unit structures added 272 units in Albany County, NY.