Dutchess County, NY: Foreclosures, Tax Liens & Distressed Properties
Dutchess County, NY, New York: 35 ZIP codes scored, Dutchess County, NY averaging 25/100 (low, Dutchess, NY), from 21 to 25. Dutchess County, NY is in its peak phase (Dutchess, NY confidence 38/100): Dutchess, NY home prices up 2.9% (Dutchess, NY) over twelve months. Dutchess County, NY lender headwind: 52/100.
Highest-scoring Dutchess County, NY ZIPs: 12501 (25/100), 12504 (25/100), 12507 (25/100), 12508 (25/100), 12512 (25/100), 12514 (25/100). Also scored in Dutchess County, NY: 12522, 12524, 12527, 12538, 12540, 12545, 12564, 12569, 12570, 12572.
Across Dutchess County, NY's scored ZIPs: median home value $421,126, household income $100,912, 9.2% vacancy, 10.5% poverty, 73% owner-occupied, median age 44.6.
Dutchess County, NY insurance distress 25/100 (#1,939 in the US); FEMA hazard 0/100 for Dutchess, NY; 10 Dutchess, NY NFIP flood claims, $113K paid; Dutchess, NY construction distress 61/100.
15 banks with 68 branches lend in Dutchess County, NY; Dutchess, NY weighted bank stress 65/100, highest 90/100 in Dutchess, NY.
Dutchess County, NY unemployment 3.9% (Dutchess, NY -0.1 pts, six months); 580 new housing units permitted in Dutchess County, NY over twelve months, Dutchess, NY down 11% from 651; Dutchess, NY home prices +9.0% a year (Dutchess, NY) over three years.
123,169 housing units in Dutchess County, NY; 35,900 Dutchess, NY renter households; 49% of Dutchess, NY renters spend 30%+ of income on rent, 24% (Dutchess, NY) half or more.
Dutchess County, NY ranks #2,872 nationally on the opportunity index (Dutchess, NY, among all ranked counties); Dutchess, NY scores 24.0/100 and Dutchess, NY sits #57 inside New York. Dutchess, NY is in the weak opportunity phase; Dutchess, NY's primary driver is construction, Dutchess, NY second driver bank institutional; Dutchess, NY moved down 83 places. 11 short-sale listings across Dutchess, NY; 79 days on market observed in Dutchess, NY; 5.7% vacancy over 35 Dutchess, NY ZIPs.
1.1% of Dutchess County, NY mortgages were ninety-plus days late in December 2025; Dutchess, NY's thirty-to-eighty-nine-day share was 2.5% (CFPB county sample). Dutchess, NY's ninety-day rate is up 0.3 points on twelve months earlier; the Dutchess, NY peak since 2008 was 5.8% in March 2012; New York overall reads 1.0%.
Dutchess County, NY has 8 watched banks; 8 Dutchess, NY banks sit in an elevated band. Dutchess, NY footprints: Manufacturers&Traders Tr Co (11 branches, stress 52) in Dutchess, NY; Rhinebeck Bank (10 branches, stress 76) in Dutchess, NY; Ulster Savings Bank (5 branches, stress 83) in Dutchess, NY.
HUD lists 14 assisted multifamily properties in Dutchess County, NY with 1,608 units; 687 Dutchess, NY units are assisted, 6 Dutchess, NY properties under project-based Section 8.
6,894 of the 123,169 housing units in Dutchess, NY sit vacant. Dutchess County, NY permitted 305 multifamily units in twelve months; Dutchess, NY's one-to-four unit structures added 275 units in Dutchess County, NY.