ZIP 12110 Property Distress & Foreclosure Data

Albany County, New York's ZIP 12110 registers 22/100 composite distress, which DLRadar reads as 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 most distinctive pressure shows up in 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.

The market reads expansion — home values rose 5.6% year on year, and 20% higher over three years (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 3.1%. The ZIP holds roughly 8,539 housing units. At $101,839, median income runs above typical U.S. levels. Around 30% of renters are cost-burdened. The poverty rate is 7.7%. About 19,969 people live here, median age 40. The demographic-stress sub-score lands at 25/100. 65% of housing is owner-occupied. Around 46% of adults hold a bachelor's degree or higher. The typical home is worth about $340,100 (3.0× income, relatively affordable).

Overall 12110 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.