ZIP 12041 Property Distress & Foreclosure Data

DLRadar grades ZIP 12041 (Albany County, New York) at a low 22/100 for overall property distress. Structural exposure scores 50 and live distress 2 on the 0–100 scale. Property-level stress concentrates in structural risk (50/100), construction/permit lag (47/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (66/100).

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

About 353 people live here, median age 49. Around 26% of adults hold a bachelor's degree or higher. The typical home is worth about $250,400 (1.7× income, relatively affordable). At $117,557, median income runs above typical U.S. levels. There are about 210 housing units across 12041. Vacancy runs 0.0%. The poverty rate is 0.0% — low. The demographic-stress sub-score lands at 24/100. 81% of housing is owner-occupied. Rent burden reaches 67% of tenant households.

Overall 12041 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.