Ulster County, NY: Foreclosures, Tax Liens & Distressed Properties
Ulster County, NY, New York: 63 ZIP codes scored, Ulster County, NY averaging 20/100 (low, Ulster, NY), from 18 to 25. Ulster County, NY is in its peak phase (Ulster, NY confidence 37/100): Ulster, NY home prices up 2.3% (Ulster, NY) over twelve months, 3.5% under their peak. Ulster County, NY lender headwind: 81/100.
Highest-scoring Ulster County, NY ZIPs: 12763 (25/100), 12789 (25/100), 12455 (24/100), 12483 (24/100), 12758 (24/100), 12566 (23/100). Also scored in Ulster County, NY: 12441, 12406, 12465, 12740, 12401, 12404, 12409, 12410, 12411, 12412.
Across Ulster County, NY's scored ZIPs: median home value $347,681, household income $86,471, 25.1% vacancy, 14.6% poverty, 78% owner-occupied, median age 49.9.
Ulster County, NY insurance distress 31/100 (#1,584 in the US); FEMA hazard 0/100 for Ulster, NY; 11 Ulster, NY NFIP flood claims, $844K paid; Ulster, NY construction distress 2/100.
16 banks with 42 branches lend in Ulster County, NY; Ulster, NY weighted bank stress 73/100, highest 90/100 in Ulster, NY.
Ulster County, NY unemployment 4.1% (Ulster, NY -0.4 pts, six months); 616 new housing units permitted in Ulster County, NY over twelve months, Ulster, NY up 82% from 338; Ulster, NY home prices +11.0% a year (Ulster, NY) over three years.
86,503 housing units in Ulster County, NY; 21,942 Ulster, NY renter households; 51% of Ulster, NY renters spend 30%+ of income on rent, 30% (Ulster, NY) half or more.
Ulster County, NY ranks #2,602 nationally on the opportunity index (Ulster, NY, among all ranked counties); Ulster, NY scores 25.4/100 and Ulster, NY sits #51 inside New York. Ulster, NY is in the weak opportunity phase; Ulster, NY's primary driver is vacancy, Ulster, NY second driver bank institutional; Ulster, NY moved down 45 places. 19 short-sale listings across Ulster, NY; 82 days on market observed in Ulster, NY; 13.2% vacancy over 63 Ulster, NY ZIPs.
0.6% of Ulster County, NY mortgages were ninety-plus days late in December 2025; Ulster, NY's thirty-to-eighty-nine-day share was 1.8% (CFPB county sample). Ulster, NY's ninety-day rate is down 0.2 points on twelve months earlier; the Ulster, NY peak since 2008 was 6.0% in January 2012; New York overall reads 1.0%.
Ulster County, NY has 9 watched banks; 9 Ulster, NY banks sit in an elevated band. Ulster, NY footprints: Ulster Savings Bank (9 branches, stress 83) in Ulster, NY; Manufacturers&Traders Tr Co (5 branches, stress 52) in Ulster, NY; Rondout Savings Bank (4 branches, stress 90) in Ulster, NY.
HUD lists 8 assisted multifamily properties in Ulster County, NY with 368 units; 150 Ulster, NY units are assisted, 3 Ulster, NY properties under project-based Section 8.
12,225 of the 86,503 housing units in Ulster, NY sit vacant. Ulster County, NY permitted 346 multifamily units in twelve months; Ulster, NY's one-to-four unit structures added 270 units in Ulster County, NY.