ZIP 12022 Foreclosure, Tax-Lien & Distress Report

ZIP code 12022 in Rensselaer County, New York carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic distress index. The sharpest non-environmental signals are construction/permit lag (79/100), structural risk (59/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (74/100). The latent-versus-live split is 59/100 structural and 2/100 already moving.

The market reads expansion — home values rose 6.6% year on year (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $77,386 — near the roughly $78,000 national figure. Vacancy runs 11.9%, above the national norm and a classic distress-and-opportunity signal. Roughly 12.3% live below the poverty line. About 25% have a four-year degree. Population is roughly 1,069 with a median age of 45. The demographic-stress sub-score lands at 24/100. Around 19% of renters are cost-burdened. There are about 457 housing units across 12022. 80% of housing is owner-occupied. A median home runs $208,100 here, or 2.3 times local income.

Overall, 12022 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 12022 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 12022 read uses the identical scoring model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 12022 stays directly comparable to neighboring ZIPs and the rest of Rensselaer County, New York. 12022 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 12022 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. Practically, 12022 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.