ZIP 12031 Property Distress & Foreclosure Data

In Schoharie County, New York, ZIP 12031 scores 10 of 100 for composite distress, a minimal level on DLRadar's public-record index. On the structural side it scores 22/100, with 2/100 of stress already active. Its standout signals are construction/permit lag (33/100), structural risk (22/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted.

Prices here sit in a expansion phase: values rose 5.6% over the trailing year (phase confidence 32/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Households earn a median $83,056 — near the roughly $78,000 national figure. The ZIP holds roughly 74 housing units. The tenure split is 78% owner-occupied to 22% rented. On demographic stress specifically, 12031 scores 28/100. Roughly 5.8% live below the poverty line, a low share typical of higher-equity areas. 224 residents call 12031 home, typically aged 53. About 22% have a four-year degree. A median home runs $270,200 here, or 3.5 times local income. Around 21% of renters are cost-burdened. The vacancy rate is 21.8% — elevated.

Taken together, 12031 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.