ZIP 12046 Property Distress & Foreclosure Data

DLRadar grades ZIP 12046 (Albany County, New York) at a low 22/100 for overall property distress. Property-level stress concentrates in structural risk (50/100), construction/permit lag (47/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (86/100), flood (NFIP) exposure (65/100). On the structural side it scores 50/100, with 2/100 of stress already active.

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 $79,833 — near the roughly $78,000 national figure. 612 residents call 12046 home, typically aged 44. About 23% have a four-year degree. Around 74% of renters are cost-burdened. A median home runs $268,400 here, or 3.4 times local income. The tenure split is 82% owner-occupied to 18% rented. Roughly 8.5% live below the poverty line. The vacancy rate is 6.5%. On demographic stress specifically, 12046 scores 33/100. The ZIP holds roughly 256 housing units.

On balance, 12046 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.