Rochester, NY Pre-Foreclosure Leads
Verified pre-foreclosure court filings in Rochester, Monroe County, NY.
From public court filings. As of November 2026.
What are pre-foreclosure leads?
Pre-foreclosure cases are filed when a lender begins the legal process to recover a property due to missed mortgage payments. These cases represent one of the earliest distress signals available to investors.
Top ZIP codes
ZIP codes in Rochester with the most pre-foreclosure filing activity, highest first.
- 14616
- 14609
- 14621
- 14611
- 14612
Monroe County at a glance (public statistics)
County seat: Rochester.
| Measure | Value | Source |
|---|---|---|
| Population | 754,068 | Census |
| Housing units | 337,688 | Census |
| Homes that are owner-occupied | 64% | Census |
| Median home value | $197K | Census |
| Housing units that are vacant (U.S.: 10%) | 6% | Census |
| Homes that are single-family detached (U.S.: 61%) | 62% | Census |
| Homes built before 1940 (U.S.: 12%) | 25% | Census |
| Residents aged 65 or older (U.S.: 17%) | 18% | Census |
| Owner-occupied homes with no mortgage (owned free and clear) (U.S.: 39%) | 38% | Census |
| Median age of residents (U.S.: 38.9) | 39.5 | Census |
| HUD Fair Market Rent, 2-bedroom, monthly (Rochester, NY) | $1,416 | HUD |
| HUD Fair Market Rent, 3-bedroom, monthly (Rochester, NY) | $1,706 | HUD |
| New housing units permitted in 2025 | 755 | Census |
| Change in units permitted, 2024 to 2025 | -35% | Census |
Sources: U.S. Census Bureau American Community Survey and Building Permits Survey; HUD Fair Market Rents.
The foreclosure process
Before a lender can begin a foreclosure on a primary residence, federal servicing rules generally require the borrower to be more than 120 days delinquent (12 CFR 1024.41(f)). States then follow either a judicial process, where the lender sues in court, or a non-judicial (power of sale) process run by a trustee under the deed of trust. Judicial vs non-judicial foreclosure explains the difference.
Read more: New York foreclosure timeline and the foreclosure timeline by state.
Related guides
Frequently asked questions
Which Rochester ZIP codes have the most pre-foreclosure filings?+
The ZIP codes with the most pre-foreclosure filing activity in Rochester are: 14616, 14609, 14621, 14611. These areas show concentrated pre-foreclosure activity.
What does a Keystone pre-foreclosure lead in Rochester include?+
Each lead covers a pre-foreclosure case filed in Monroe County courts and includes the property address, owner information, filing date and case details from the public court filing.
Go deeper
Rochester sits within Monroe County, NY. Monroe County subscription.
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