New York · Statewide

New York Foreclosures and Distressed Properties Statewide

Most investors in New York chase the same bank-owned listings. ForeclosuresDaily.com tracks the earlier signals instead, such as probate filings, missed payments, and tax delinquency, so you can reach motivated sellers before your competition.

Pre-foreclosureProbate & pre-probateDivorceTax delinquentAbsentee owners

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New York distressed properties map by area and ZIP code
$615,000
Median listing price (down 5.4%)
80,633
Active listings in New York
61 days
Average time on market
$4,000
Median rent (down 0.9%)

Market data: Realtor.com New York housing market, October 2026. Zillow Home Value Index for New York: $526,714 (up 5.6% from a year earlier), August 2026. View homes on Zillow.

Carolynn Castillo, ForeclosuresDaily.com customer

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Listed and sold 25 properties and personally bought and sold four fix-and-flip properties, all generated from probate leads.

Carolynn Castillo

Realtor & Broker · eXp Realty

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Distressed real estate for sale

What is a distressed property?

A distressed property is a home whose owner is under pressure to sell. Usually, the cause is a life event, such as a missed mortgage payment, a death in the family, a divorce, unpaid property taxes, or repairs the owner cannot afford.

In New York, these owners matter more than ever. With a median listing price near $615,000, retail deals leave little room for profit. The discount comes from motivated sellers whose property is not publicly advertised for sale, is for sale privately, and is not listed on the Multiple Listing Service (MLS). As a result, there is less competition and room to negotiate wholesale pricing.

In addition, by inventory, its busiest markets right now are Queens County, New York County, and Suffolk County, where more listings mean more owners under pressure.

New York real estate investors finding off-market deals
Shannon Thompson, ForeclosuresDaily.com customer

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Shannon Thompson

Investor · Joe Homebuyer of Atlanta

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Step-by-step

How to find distressed properties in New York

Foreclosure listing sites show homes after the bank or auction is involved. Therefore, to find a deal first, work earlier in the timeline:

Pick your counties

Initially, start with a few New York counties where you know values and have cash buyers ready.

Choose lead types

Next, pick your leads, because probate, pre-foreclosure, divorce, code violation, and tax delinquency leads each signal a different reason to sell.

Use fresh data

Then use ForeclosuresDaily fresh leads, which are updated daily, so that you reach owners before other investors mail them.

Target your marketing

In addition, data targeting your marketing means mail, calls, and texts go only to owners with a real reason to sell.

Run the numbers

After that, estimate the after-repair value (ARV) from nearby sales, and then apply the 70% Rule.

Make a fair offer

Finally, solve the seller’s problem with a quick, as-is cash close, then wholesale or flip the property.

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Andrew Litchfield

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Andrew Litchfield hosted a ForeclosuresDaily.com monthly webinar for real estate investors.

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Targeted real estate lead generation

Motivated sellers who want to liquidate fast

For this reason, ForeclosuresDaily.com’s off-market real estate platform covers every major distress signal in New York, cross-referenced with tax rolls and property appraiser records.

Probate LeadsExecutors who must sell before the estate can close.Get probate leads →Pre-Probate LeadsFamilies who may sell before a probate case is filed.See pre-probate leads →Inheritance LeadsHeirs who want to sell because they will not keep the home.View inheritance leads →Foreclosure LeadsOwners behind on payments who want to sell before auction.Explore foreclosure leads →Divorce LeadsCouples who must sell when they divide shared assets.Find divorce leads →Eviction LeadsTired landlords who want out because of problem tenants.Browse eviction leads →Code Violation LeadsOwners facing fines because of open violations and costly repairs.Check code violation leads →Tax DelinquencyOwners behind on property taxes who need cash soon.Target tax-delinquent owners →Absentee Owner LeadsOut-of-area owners, especially those far from the property.Reach absentee owners →Life Leads & FSBOOwners selling on their own rather than with an agent.Shop all lead products →
Anthony Coletti, ForeclosuresDaily.com customer

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Anthony Coletti

Real estate investor

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Find a deal

ARV and the 70% Rule for New York flips

Real estate flippers and wholesalers use the after-repair value (ARV) to set their maximum offer. For example, the 70% Rule says to pay no more than 70% of ARV, minus repairs. As a result, that margin covers holding costs, closing costs, and profit for property flipping, or your assignment fee when you wholesale.

For instance, here is the math using the New York median listing price as the ARV and an 8% repair budget.

70% Rule example

ARV$615,000
70% of ARV$430,500
Estimated repairs− $49,000
Maximum offer$381,500
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Jeremy Resmer

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Jeremy Resmer hosted a ForeclosuresDaily.com monthly webinar for real estate investors.

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Counties

New York counties to target

These are the 10 New York counties with the most homes for sale. Next, choose a county from the menu to open its investing data, and then match the market to your strategy.

Queens CountyAbove state median$650,000Wholesale

Queens County market snapshot

$650,000 ▲ 0.1%Median listing price
$603Price per sq ft
73 days ▲ 1.4%Days on market
$3,400 ▲ 3%Median rent
7,558 ▲ 0.8%Active listings
6.3%Gross rent yield

In addition, the Zillow Home Value Index is $744,565 (up 4.7% from a year earlier) as of August 2026.

Largest inventory on the list, so there are more owners to reach. Meanwhile, the median price is up 0.1% from a year earlier. As a result, prices sit near the area median, so focus on deep discounts from off-market sellers.

Max offer when the ARV equals the median price$650,000 × 70% − $52,000 repairs = $403,000 max offer

Also see the full Queens County market report on Realtor.com →Then view Queens County homes on Zillow →

New York CountyAbove state median$1,395,000Negotiate

New York County market snapshot

$1,395,000 ▼ 3.6%Median listing price
$1,499Price per sq ft
88 days ▼ 5.9%Days on market
$5,230 ▲ 4.6%Median rent
7,226 ▼ 20.6%Active listings
4.5%Gross rent yield

In addition, the Zillow Home Value Index is $1,223,135 (up 3.1% from a year earlier) as of August 2026.

Prices per square foot run higher here than anywhere else on this list. Meanwhile, the median price is down 3.6% from a year earlier, and inventory is down 20.6%. Therefore, softer pricing gives you room to negotiate with motivated sellers.

Max offer when the ARV equals the median price$1,395,000 × 70% − $112,000 repairs = $864,500 max offer

Also see the full New York County market report on Realtor.com →Then view New York County homes on Zillow →

Suffolk CountyAbove state median$899,000Buy & hold

Suffolk County market snapshot

$899,000 ▼ 0.1%Median listing price
$489Price per sq ft
58 days ▼ 4.9%Days on market
$19,780 ▼ 10.1%Median rent
6,737 ▼ 4.5%Active listings
26.4%Gross rent yield

In addition, the Zillow Home Value Index is $738,423 (up 3.7% from a year earlier) as of August 2026.

Rents are high compared with prices here, especially for buy-and-hold investors. Meanwhile, the median price is down 0.1% from a year earlier, and inventory is down 4.5%. For this reason, rents cover a larger share of the price here, which helps rental investors.

Max offer when the ARV equals the median price$899,000 × 70% − $72,000 repairs = $557,300 max offer

Also see the full Suffolk County market report on Realtor.com →Then view Suffolk County homes on Zillow →

Kings CountyAbove state median$795,000Negotiate

Kings County market snapshot

$795,000 ▼ 3.6%Median listing price
$720Price per sq ft
74 days ▼ 6.3%Days on market
$4,095 ▲ 1.1%Median rent
5,896 ▼ 9.8%Active listings
6.2%Gross rent yield

In addition, the Zillow Home Value Index is $959,075 (up 5% from a year earlier) as of August 2026.

Meanwhile, the median price is down 3.6% from a year earlier, and inventory is down 9.8%. Because of this, sellers here are adjusting to slower demand, so offers below asking get a hearing.

Max offer when the ARV equals the median price$795,000 × 70% − $64,000 repairs = $492,500 max offer

Also see the full Kings County market report on Realtor.com →Then view Kings County homes on Zillow →

Erie CountyBelow state median$279,900Negotiate

Erie County market snapshot

$279,900 ▼ 3.5%Median listing price
$192Price per sq ft
39 days ▲ 5.4%Days on market
$1,600 ▲ 3.2%Median rent
4,600 ▲ 22%Active listings
6.9%Gross rent yield

In addition, the Zillow Home Value Index is $300,673 (up 3.8% from a year earlier) as of August 2026.

Entry prices are lower here than in the rest of the group, so it fits wholesaling and first flips. Meanwhile, the median price is down 3.5% from a year earlier, and inventory is up 22%. Consequently, use the extra time on market to negotiate repairs into your price.

Max offer when the ARV equals the median price$279,900 × 70% − $22,000 repairs = $173,930 max offer

Also see the full Erie County market report on Realtor.com →Then view Erie County homes on Zillow →

Nassau CountyAbove state median$950,000Flip

Nassau County market snapshot

$950,000 ▲ 5.6%Median listing price
$545Price per sq ft
54 days ▼ 6.9%Days on market
$3,850 ▼ 1.3%Median rent
4,415 ▲ 5.7%Active listings
4.9%Gross rent yield

In addition, the Zillow Home Value Index is $856,988 (up 5.5% from a year earlier) as of August 2026.

Meanwhile, the median price is up 5.6% from a year earlier, and inventory is up 5.7%. As a result, higher resale values here reward a well-planned renovation.

Max offer when the ARV equals the median price$950,000 × 70% − $76,000 repairs = $589,000 max offer

Also see the full Nassau County market report on Realtor.com →Then view Nassau County homes on Zillow →

Westchester CountyAbove state median$650,000Negotiate

Westchester County market snapshot

$650,000 ▼ 11%Median listing price
$396Price per sq ft
52 days ▼ 13.3%Days on market
$3,400Median rent
2,372 ▲ 4.7%Active listings
6.3%Gross rent yield

In addition, the Zillow Home Value Index is $884,652 (up 7.3% from a year earlier) as of August 2026.

Meanwhile, the median price is down 11% from a year earlier, and inventory is up 4.7%.

Max offer when the ARV equals the median price$650,000 × 70% − $52,000 repairs = $403,000 max offer

Also see the full Westchester County market report on Realtor.com →Then view Westchester County homes on Zillow →

Monroe CountyBelow state median$289,900Buy & hold

Monroe County market snapshot

$289,900 ▲ 11.5%Median listing price
$172Price per sq ft
29 days ▼ 3.3%Days on market
$1,882 ▲ 4.6%Median rent
2,330 ▲ 8.3%Active listings
7.8%Gross rent yield

In addition, the Zillow Home Value Index is $292,366 (up 4.7% from a year earlier) as of August 2026.

Homes sell faster here than anywhere else on the list. Meanwhile, the median price is up 11.5% from a year earlier, and inventory is up 8.3%. Therefore, a strong rent yield makes this a good place to hold a property after you buy it.

Max offer when the ARV equals the median price$289,900 × 70% − $23,000 repairs = $179,930 max offer

Also see the full Monroe County market report on Realtor.com →Then view Monroe County homes on Zillow →

Richmond CountyAbove state median$699,900Wholesale

Richmond County market snapshot

$699,900 ▼ 2.1%Median listing price
$477Price per sq ft
58 days ▲ 9.4%Days on market
$2,900Median rent
2,308 ▲ 5.1%Active listings
5.0%Gross rent yield

In addition, the Zillow Home Value Index is $728,958 (up 5.4% from a year earlier) as of August 2026.

Meanwhile, the median price is down 2.1% from a year earlier, and inventory is up 5.1%. For this reason, balanced pricing makes this area a steady source of wholesale deals.

Max offer when the ARV equals the median price$699,900 × 70% − $56,000 repairs = $433,930 max offer

Also see the full Richmond County market report on Realtor.com →Then view Richmond County homes on Zillow →

Onondaga CountyBelow state median$339,000Flip & wholesale

Onondaga County market snapshot

$339,000 ▲ 2.7%Median listing price
$198Price per sq ft
46 days ▲ 7%Days on market
$1,755 ▼ 2.5%Median rent
2,072 ▲ 14.1%Active listings
6.2%Gross rent yield

In addition, the Zillow Home Value Index is $287,951 (up 6.5% from a year earlier) as of August 2026.

Smallest inventory on the list, so an off-market lead faces little competition. Meanwhile, the median price is up 2.7% from a year earlier, and inventory is up 14.1%. Because of this, lower prices keep your cash needs small for wholesale deals and light flips.

Max offer when the ARV equals the median price$339,000 × 70% − $27,000 repairs = $210,300 max offer

Also see the full Onondaga County market report on Realtor.com →Then view Onondaga County homes on Zillow →

Choose a county from the menu to see its investing data, then compare markets. Market data: Realtor.com, October 2026, and Zillow Home Value Index, August 2026. Also, gross rent yield is 12 months of median rent divided by the median listing price; the 70% Rule example assumes repairs of 8% of the median price.

Antonio Stringfield, ForeclosuresDaily.com customer

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Antonio Stringfield

Probate investor · Los Angeles

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ForeclosuresDaily off-market opportunities before your competition

In fact, since 2004, ForeclosuresDaily.com has helped investors, wholesalers, flippers, and agents reach motivated sellers first.

Not on the MLSHomes for sale privately, before any listing.
Less competitionFewer buyers know the property exists.
Fresh leadsNew records added every day.
NationwideTarget any county or ZIP code.

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Nancy Wallace-Laab

Investor · nearly 20 years

Nancy focuses on the best outcome for both the seller and the investor, drawing on nearly 20 years of real estate investing experience.

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Phillip Warrick

Full-time investor since 2003

Full-time real estate investor since 2003, with over 20 years of experience.

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FAQ

New York foreclosure and distressed property questions

How do I find distressed properties for sale in New York?

Initially, start with public-record signals such as pre-foreclosure, probate, divorce, and tax delinquency. ForeclosuresDaily.com gathers these records daily, so that you can contact New York owners before the home is listed or sent to auction.

Where can I find foreclosed homes in New York?

Bank-owned and auction homes appear on sites like Realtor.com, Zillow, and Auction.com. However, off-market pre-foreclosure leads let you reach owners earlier, while they can still sell on their own terms.

Which counties have the lowest entry prices?

Among the counties in this guide, the lowest median listing prices are in Erie County at $279,900, Monroe County at $289,900, and Onondaga County at $339,000, based on Realtor.com data from October 2026.

Where do homes sell fastest?

Monroe County has the shortest average time on market in this guide, at 29 days. As a result, fast markets reward investors who can reach owners before a home is listed.

How do I find distressed properties for wholesale profit?

First of all, focus on owners with equity and a reason to sell quickly. Then run the 70% Rule, and finally line up cash buyers before you sign a contract you plan to assign.

Get New York distressed property leads today

Fresh, targeted, off-market data for Queens County, New York County, Suffolk County, and beyond.

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