ZIP 12036 Property Distress & Foreclosure Data

In Schoharie County, New York, ZIP 12036 scores 12 of 100 for composite distress, a minimal level on DLRadar's public-record index. Its standout signals are construction/permit lag (44/100), structural risk (27/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100). Structural risk reads 27/100 against active distress of 2/100.

The expansion-phase market in 12036 posted values that rose 5.7% over the year, at 34/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

There are about 169 housing units across 12036. 9.6% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 33/100. Vacancy runs 50.0%, above the national norm and a classic distress-and-opportunity signal. Median household income is $41,667, below the U.S. median near $78,000. Educational attainment sits at 19% bachelor's-or-above. Population is roughly 335 with a median age of 35. Owners hold 93% of homes, renters 7%. Home values center near $108,100, an affordability ratio of 3.4× — accessible.

On the whole, 12036 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.