Saratoga County, NY: Foreclosures, Tax Liens & Distressed Properties
Saratoga County, NY, New York: 27 ZIP codes scored, Saratoga County, NY averaging 22/100 (low, Saratoga, NY), from 18 to 23. Saratoga County, NY is in its expansion phase (Saratoga, NY confidence 39/100): Saratoga, NY home prices up 6.6% (Saratoga, NY) over twelve months. Saratoga County, NY lender headwind: 75/100.
Highest-scoring Saratoga County, NY ZIPs: 12019 (23/100), 12020 (23/100), 12027 (23/100), 12065 (23/100), 12074 (23/100), 12118 (23/100). Also scored in Saratoga County, NY: 12148, 12151, 12170, 12188, 12803, 12822, 12831, 12833, 12835, 12850.
Across Saratoga County, NY's scored ZIPs: median home value $290,196, household income $95,136, 13.9% vacancy, 8.6% poverty, 77% owner-occupied, median age 44.3.
Saratoga County, NY insurance distress 21/100 (#2,075 in the US); FEMA hazard 0/100 for Saratoga, NY; 3 Saratoga, NY NFIP flood claims, $23K paid; Saratoga, NY construction distress 65/100.
15 banks with 70 branches lend in Saratoga County, NY; Saratoga, NY weighted bank stress 71/100, highest 90/100 in Saratoga, NY.
Saratoga County, NY unemployment 3.2% (Saratoga, NY -0.5 pts, six months); 944 new housing units permitted in Saratoga County, NY over twelve months, Saratoga, NY down 15% from 1,108; Saratoga, NY home prices +9.0% a year (Saratoga, NY) over three years.
112,109 housing units in Saratoga County, NY; 27,787 Saratoga, NY renter households; 38% of Saratoga, NY renters spend 30%+ of income on rent, 19% (Saratoga, NY) half or more.
Saratoga County, NY ranks #2,542 nationally on the opportunity index (Saratoga, NY, among all ranked counties); Saratoga, NY scores 25.7/100 and Saratoga, NY sits #49 inside New York. Saratoga, NY is in the weak opportunity phase; Saratoga, NY's primary driver is bank institutional, Saratoga, NY second driver construction; Saratoga, NY moved down 535 places. 12 short-sale listings across Saratoga, NY; 81 days on market observed in Saratoga, NY; 9.2% vacancy over 27 Saratoga, NY ZIPs.
0.6% of Saratoga County, NY mortgages were ninety-plus days late in December 2025; Saratoga, NY's thirty-to-eighty-nine-day share was 1.6% (CFPB county sample). Saratoga, NY's ninety-day rate is down 0.1 points on twelve months earlier; the Saratoga, NY peak since 2008 was 2.9% in April 2013; New York overall reads 1.0%.
Saratoga County, NY has 10 watched banks; 10 Saratoga, NY banks sit in an elevated band. Saratoga, NY footprints: Trustco Bank (14 branches, stress 75) in Saratoga, NY; Ballston Spa National Bank (10 branches, stress 90) in Saratoga, NY; Adirondack Trust Co (10 branches, stress 66) in Saratoga, NY.
HUD lists 8 assisted multifamily properties in Saratoga County, NY with 958 units; 350 Saratoga, NY units are assisted, 5 Saratoga, NY properties under project-based Section 8.
10,198 of the 112,109 housing units in Saratoga, NY sit vacant. Saratoga County, NY permitted 258 multifamily units in twelve months; Saratoga, NY's one-to-four unit structures added 686 units in Saratoga County, NY.