ZIP 12094 Property Distress & Foreclosure Data

ZIP code 12094 in Rensselaer County, New York carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (79/100), flood (NFIP) exposure (60/100). What sets it apart are the readings on construction/permit lag (75/100), structural risk (54/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (7/100) stay muted. Structural risk reads 54/100 against active distress of 2/100.

Prices here sit in a expansion phase: values rose 6.4% over the trailing year, and 34% higher over three years, at 42/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

A median home runs $260,900 here, or 2.4 times local income. The tenure split is 97% owner-occupied to 3% rented. Vacancy runs 2.4%. Rent burden reaches 100% of tenant households. On demographic stress specifically, 12094 scores 33/100. About 30% have a four-year degree. 2,560 residents call 12094 home, typically aged 36. There are about 957 housing units across 12094. Roughly 10.5% live below the poverty line. Households earn a median $101,087 — above the roughly $78,000 national figure.

On balance, 12094 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.