ZIP 12062 Property Distress & Foreclosure Data

ZIP code 12062 in Rensselaer County, New York carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (74/100), structural risk (54/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (7/100) register low. The latent-versus-live split is 54/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (81/100).

The market reads expansion — home values rose 5.6% year on year, and 54% higher over three years (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $86,094, median income runs near typical U.S. levels. The typical home is worth about $249,600 (2.7× income, relatively affordable). The poverty rate is 9.8%. The ZIP holds roughly 796 housing units. 81% of housing is owner-occupied. Around 26% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 27/100. About 1,723 people live here, median age 52. Around 41% of renters are cost-burdened. The vacancy rate is 11.7% — elevated.

Overall 12062 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.