ZIP 12084 Property Distress & Foreclosure Data

Albany County, New York's ZIP 12084 registers 22/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in 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). Environmental exposure also runs high (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 expansion-phase market in 12084 posted values that rose 5.6% over the year, and 31% higher over three years (phase confidence 32/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $86,968, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 29/100. 9.4% of residents fall below the poverty threshold. Owners hold 24% of homes, renters 76%. Around 23% of renters are cost-burdened. Educational attainment sits at 60% bachelor's-or-above. The vacancy rate is 5.2%. Population is roughly 5,054 with a median age of 34. The ZIP holds roughly 2,289 housing units. Home values center near $348,600, an affordability ratio of 3.8× — accessible.

Broadly, 12084 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.