ZIP 12077 Property Distress & Foreclosure Data

In Albany County, New York, ZIP 12077 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (50/100), construction/permit lag (47/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (66/100). The latent-versus-live split is 50/100 structural and 2/100 already moving.

The market reads expansion — home values rose 5.6% year on year, and 43% higher over three years (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $125,370, median income runs above typical U.S. levels. The poverty rate is 10.1%. Around 56% of renters are cost-burdened. The vacancy rate is 2.7%. The typical home is worth about $401,700 (2.8× income, relatively affordable). Around 65% of adults hold a bachelor's degree or higher. About 6,733 people live here, median age 44. 77% of housing is owner-occupied. The demographic-stress sub-score lands at 25/100. The ZIP holds roughly 2,823 housing units.

Overall 12077 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.