ZIP 12040 Property Distress & Foreclosure Data

In Rensselaer County, New York, ZIP 12040 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (83/100). The latent-versus-live split is 55/100 structural and 2/100 already moving. Its standout signals are construction/permit lag (75/100), structural risk (55/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (7/100) 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.

29 residents call 12040 home, typically aged 40. A median home runs $309,100 here, or 5.5 times local income. The ZIP holds roughly 20 housing units. On demographic stress specifically, 12040 scores 37/100. The tenure split is 100% owner-occupied to 0% rented. Roughly 31.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 14% have a four-year degree. The vacancy rate is 0.0%. Households earn a median $55,682 — below the roughly $78,000 national figure.

Taken together, 12040 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.