ZIP 12090 Foreclosure, Tax-Lien & Distress Report

In Rensselaer County, New York, ZIP 12090 scores 26 of 100 for composite distress, a low level on DLRadar's distress index. The split runs 59/100 structural to 2/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (74/100). Its standout signals are construction/permit lag (79/100), structural risk (59/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (7/100) stay muted.

Prices here sit in a expansion phase: values rose 6.6% over the trailing year, and 9% higher over three years, at 39/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Population is roughly 5,874 with a median age of 47. Owners hold 73% of homes, renters 27%. The ZIP holds roughly 2,583 housing units. 8.5% of residents fall below the poverty threshold. The typical home is worth about $173,800 (2.6× income, relatively affordable). Rent burden reaches 33% of tenant households. Median household income is $72,500, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 27/100. Vacancy runs 16.6%, above the national norm and a classic distress-and-opportunity signal. About 23% have a four-year degree.

On the whole, 12090 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 12090 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 12090 read uses the identical scoring model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 12090 stays directly comparable to neighboring ZIPs and the rest of Rensselaer County, New York. 12090 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 26/100 for 12090 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 12090 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.