ZIP 12023 Property Distress & Foreclosure Data

DLRadar grades ZIP 12023 (Albany County, New York) at a low 20/100 for overall property distress. Structural exposure scores 44 and live distress 2 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (76/100). Property-level stress concentrates in construction/permit lag (47/100), structural risk (44/100), institutional ownership (12/100). By contrast, institutional ownership (12/100) and mortgage stress (6/100) register low.

The market reads expansion — home values rose 5.6% year on year, and 18% higher over three years, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 2,364 people live here, median age 35. 83% of housing is owner-occupied. The poverty rate is 3.8% — low. The demographic-stress sub-score lands at 20/100. Vacancy runs 9.1%. Rent burden reaches 14% of tenant households. There are about 809 housing units across 12023. At $115,658, median income runs above typical U.S. levels. The typical home is worth about $302,300 (2.3× income, relatively affordable). Around 29% of adults hold a bachelor's degree or higher.

Overall 12023 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.