ZIP 12053 Property Distress & Foreclosure Data

ZIP code 12053 in Schenectady County, New York carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (61/100), structural risk (47/100), institutional ownership (13/100). By contrast, institutional ownership (13/100) and mortgage stress (6/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (71/100). On the structural side it scores 47/100, with 2/100 of stress already active.

The market reads expansion — home values rose 5.6% year on year, and 30% higher over three years (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $99,831, median income runs above typical U.S. levels. The poverty rate is 9.3%. The ZIP holds roughly 2,048 housing units. The vacancy rate is 8.8%. Around 66% of renters are cost-burdened. About 4,325 people live here, median age 48. Around 31% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 29/100. 89% of housing is owner-occupied. The typical home is worth about $266,600 (2.6× income, relatively affordable).

Overall 12053 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.