Schenectady County, NY: Foreclosures, Tax Liens & Distressed Properties
Schenectady County, NY, New York: 19 ZIP codes scored, Schenectady County, NY averaging 22/100 (low, Schenectady, NY), from 11 to 26. Schenectady County, NY is in its expansion phase (Schenectady, NY confidence 39/100): Schenectady, NY home prices up 6.6% (Schenectady, NY) over twelve months. Schenectady County, NY lender headwind: 71/100.
Highest-scoring Schenectady County, NY ZIPs: 12009 (26/100), 12303 (25/100), 12304 (24/100), 12019 (23/100), 12027 (23/100), 12137 (23/100). Also scored in Schenectady County, NY: 12309, 12053, 12302, 12306, 12008, 12010, 12056, 12150, 12305, 12307.
Across Schenectady County, NY's scored ZIPs: median home value $257,763, household income $84,609, 6.6% vacancy, 10.3% poverty, 73% owner-occupied, median age 40.2.
Schenectady County, NY insurance distress 27/100 (#1,687 in the US); FEMA hazard 0/100 for Schenectady, NY; 6 Schenectady, NY NFIP flood claims, $230K paid; Schenectady, NY construction distress 53/100.
13 banks with 41 branches lend in Schenectady County, NY; Schenectady, NY weighted bank stress 70/100, highest 78/100 in Schenectady, NY.
Schenectady County, NY unemployment 4.2% (Schenectady, NY -0.4 pts, six months); 110 new housing units permitted in Schenectady County, NY over twelve months, Schenectady, NY up 7% from 103; Schenectady, NY home prices +10.4% a year (Schenectady, NY) over three years.
71,244 housing units in Schenectady County, NY; 23,997 Schenectady, NY renter households; 49% of Schenectady, NY renters spend 30%+ of income on rent, 28% (Schenectady, NY) half or more.
Schenectady County, NY ranks #2,685 nationally on the opportunity index (Schenectady, NY, among all ranked counties); Schenectady, NY scores 25.0/100 and Schenectady, NY sits #54 inside New York. Schenectady, NY is in the weak opportunity phase; Schenectady, NY's primary driver is bank institutional, Schenectady, NY second driver construction; Schenectady, NY moved down 128 places. 5 short-sale listings across Schenectady, NY; 72 days on market observed in Schenectady, NY; 6.5% vacancy over 19 Schenectady, NY ZIPs.
1.3% of Schenectady County, NY mortgages were ninety-plus days late in December 2025; Schenectady, NY's thirty-to-eighty-nine-day share was 2.6% (CFPB county sample). Schenectady, NY's ninety-day rate is up 0.6 points on twelve months earlier; the Schenectady, NY peak since 2008 was 5.1% in January 2012; New York overall reads 1.0%.
Schenectady County, NY has 8 watched banks; 8 Schenectady, NY banks sit in an elevated band. Schenectady, NY footprints: Trustco Bank (12 branches, stress 75) in Schenectady, NY; First Nb Of Scotia (6 branches, stress 78) in Schenectady, NY; Arrow Bank National Assn (2 branches, stress 70) in Schenectady, NY.
HUD lists 7 assisted multifamily properties in Schenectady County, NY with 594 units; 520 Schenectady, NY units are assisted, 3 Schenectady, NY properties under project-based Section 8.
4,342 of the 71,244 housing units in Schenectady, NY sit vacant. Schenectady County, NY permitted 50 multifamily units in twelve months; Schenectady, NY's one-to-four unit structures added 60 units in Schenectady County, NY.