ZIP 12020 Property Distress & Foreclosure Data

Saratoga County, New York's ZIP 12020 registers 24/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (73/100), structural risk (55/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (65/100). On the structural side it scores 55/100, with 2/100 of stress already active.

The market reads expansion — home values rose 5.6% year on year, and 25% higher over three years (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $101,727, median income runs above typical U.S. levels. 70% of housing is owner-occupied. The poverty rate is 6.3% — low. Around 43% of adults hold a bachelor's degree or higher. Around 34% of renters are cost-burdened. The vacancy rate is 8.3%. About 34,140 people live here, median age 43. The typical home is worth about $329,400 (3.0× income, relatively affordable). The demographic-stress sub-score lands at 25/100. The ZIP holds roughly 16,021 housing units.

Overall 12020 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.