Rensselaer County, NY: Foreclosures, Tax Liens & Distressed Properties
Rensselaer County, NY, New York: 31 ZIP codes scored, Rensselaer County, NY averaging 25/100 (low, Rensselaer, NY), from 20 to 26. Rensselaer County, NY is in its expansion phase (Rensselaer, NY confidence 39/100): Rensselaer, NY home prices up 6.6% (Rensselaer, NY) over twelve months. Rensselaer County, NY lender headwind: 51/100.
Highest-scoring Rensselaer County, NY ZIPs: 12018 (26/100), 12022 (26/100), 12033 (26/100), 12040 (26/100), 12052 (26/100), 12061 (26/100). Also scored in Rensselaer County, NY: 12063, 12082, 12090, 12121, 12123, 12138, 12140, 12144, 12153, 12168.
Across Rensselaer County, NY's scored ZIPs: median home value $264,938, household income $88,146, 8.9% vacancy, 9.1% poverty, 83% owner-occupied, median age 44.9.
Rensselaer County, NY insurance distress 25/100 (#1,934 in the US); FEMA hazard 0/100 for Rensselaer, NY; 17 Rensselaer, NY NFIP flood claims, $114K paid; Rensselaer, NY construction distress 78/100.
12 banks with 34 branches lend in Rensselaer County, NY; Rensselaer, NY weighted bank stress 66/100, highest 75/100 in Rensselaer, NY.
Rensselaer County, NY unemployment 3.9% (Rensselaer, NY -0.6 pts, six months); 260 new housing units permitted in Rensselaer County, NY over twelve months, Rensselaer, NY down 29% from 365; Rensselaer, NY home prices +9.2% a year (Rensselaer, NY) over three years.
74,543 housing units in Rensselaer County, NY; 23,781 Rensselaer, NY renter households; 44% of Rensselaer, NY renters spend 30%+ of income on rent, 20% (Rensselaer, NY) half or more.
Rensselaer County, NY ranks #2,202 nationally on the opportunity index (Rensselaer, NY, among all ranked counties); Rensselaer, NY scores 27.0/100 and Rensselaer, NY sits #40 inside New York. Rensselaer, NY is in the weak opportunity phase; Rensselaer, NY's primary driver is construction, Rensselaer, NY second driver bank institutional; Rensselaer, NY moved down 512 places. 5 short-sale listings across Rensselaer, NY; 77 days on market observed in Rensselaer, NY; 10.8% vacancy over 31 Rensselaer, NY ZIPs.
0.9% of Rensselaer County, NY mortgages were ninety-plus days late in December 2025; Rensselaer, NY's thirty-to-eighty-nine-day share was 2.6% (CFPB county sample). Rensselaer, NY's ninety-day rate is down 0.3 points on twelve months earlier; the Rensselaer, NY peak since 2008 was 4.0% in December 2011; New York overall reads 1.0%.
Rensselaer County, NY has 7 watched banks; 7 Rensselaer, NY banks sit in an elevated band. Rensselaer, NY footprints: Trustco Bank (7 branches, stress 75) in Rensselaer, NY; Pioneer Bank National Assn (4 branches, stress 68) in Rensselaer, NY; Manufacturers&Traders Tr Co (4 branches, stress 52) in Rensselaer, NY.
HUD lists 9 assisted multifamily properties in Rensselaer County, NY with 691 units; 325 Rensselaer, NY units are assisted, 6 Rensselaer, NY properties under project-based Section 8.
7,857 of the 74,543 housing units in Rensselaer, NY sit vacant. Rensselaer County, NY permitted 103 multifamily units in twelve months; Rensselaer, NY's one-to-four unit structures added 157 units in Rensselaer County, NY.