ZIP 12118 Property Distress & Foreclosure Data

DLRadar grades ZIP 12118 (Saratoga County, New York) at a low 24/100 for overall property distress. Property-level stress concentrates in construction/permit lag (73/100), structural risk (55/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (79/100), flood (NFIP) exposure (65/100). The latent-versus-live split is 55/100 structural and 2/100 already moving.

Prices here sit in a expansion phase: values rose 5.6% over the trailing year, and 23% higher over three years (phase confidence 32/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The vacancy rate is 6.8%. Around 39% of renters are cost-burdened. About 33% have a four-year degree. 17,056 residents call 12118 home, typically aged 45. Roughly 8.3% live below the poverty line. A median home runs $345,800 here, or 3.5 times local income. The ZIP holds roughly 8,018 housing units. On demographic stress specifically, 12118 scores 29/100. Households earn a median $91,182 — above the roughly $78,000 national figure. The tenure split is 69% owner-occupied to 31% rented.

On balance, 12118 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.