ZIP 12076 Property Distress & Foreclosure Data

ZIP code 12076 in Schoharie County, New York carries a composite property-distress score of 10/100 — a minimal reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (33/100), structural risk (22/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. Structural risk reads 22/100 against active distress of 2/100.

Prices here sit in a expansion phase: values rose 5.6% over the trailing year, at 32/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

1,316 residents call 12076 home, typically aged 56. There are about 1,212 housing units across 12076. A median home runs $225,600 here, or 3.0 times local income. Vacancy runs 50.3%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 94% owner-occupied to 6% rented. Rent burden reaches 50% of tenant households. On demographic stress specifically, 12076 scores 32/100. About 26% have a four-year degree. Households earn a median $73,056 — near the roughly $78,000 national figure. Roughly 8.9% live below the poverty line.

Taken together, 12076 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.