ZIP 12116 Property Distress & Foreclosure Data

ZIP code 12116 in Otsego County, New York carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (55/100), structural risk (37/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (75/100). On the structural side it scores 37/100, with 2/100 of stress already active.

The market reads expansion — home values rose 6.3% year on year (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $76,359, median income runs near typical U.S. levels. Around 60% of renters are cost-burdened. 87% of housing is owner-occupied. Around 28% of adults hold a bachelor's degree or higher. The vacancy rate is 33.8% — elevated. The ZIP holds roughly 1,075 housing units. The poverty rate is 8.7%. The typical home is worth about $167,200 (1.9× income, relatively affordable). The demographic-stress sub-score lands at 29/100. About 1,533 people live here, median age 47.

Net-net, 12116 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.