ZIP 11786 Property Distress & Foreclosure Data

DLRadar grades ZIP 11786 (Suffolk County, New York) at a moderate 36/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (96/100), FEMA disaster exposure (64/100). On the structural side it scores 81/100, with 7/100 of stress already active. Property-level stress concentrates in structural risk (81/100), construction/permit lag (77/100), institutional ownership (56/100). By contrast, mortgage stress (22/100) register low.

The market reads expansion — home values rose 6.3% year on year, and 21% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $161,250, median income runs above typical U.S. levels. About 6,348 people live here, median age 41. The poverty rate is 2.0% — low. The vacancy rate is 2.9%. Around 44% of adults hold a bachelor's degree or higher. 96% of housing is owner-occupied. Around 25% of renters are cost-burdened. The ZIP holds roughly 2,012 housing units. The demographic-stress sub-score lands at 22/100. The typical home is worth about $604,700 (3.4× income, relatively affordable).

Net-net, 11786 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.