ZIP 12054 Property Distress & Foreclosure Data

In Albany County, New York, ZIP 12054 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Structural risk reads 50/100 against active distress of 2/100. Environmental exposure also runs high (climate & FEMA risk (86/100), flood (NFIP) exposure (66/100)). Its standout signals are structural risk (50/100), construction/permit lag (47/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100).

The expansion-phase market in 12054 posted values that rose 5.6% over the year, and 28% higher over three years, at 32/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Population is roughly 16,988 with a median age of 45. There are about 7,391 housing units across 12054. Median household income is $128,684, above the U.S. median near $78,000. Owners hold 75% of homes, renters 25%. 2.3% of residents fall below the poverty threshold. Rent burden reaches 34% of tenant households. Vacancy runs 2.6%. DLRadar's demographic-stress index for the area reads 20/100. Home values center near $354,500, an affordability ratio of 2.6× — accessible. Educational attainment sits at 68% bachelor's-or-above.

Broadly, 12054 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.