ZIP 12120 Property Distress & Foreclosure Data

ZIP code 12120 in Albany County, New York carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 50/100 against active distress of 2/100. What sets it apart are the readings on structural risk (50/100), construction/permit lag (47/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (85/100), flood (NFIP) exposure (64/100)).

The expansion-phase market in 12120 posted values that rose 5.6% over the year, at 33/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Vacancy runs 23.0%, above the national norm and a classic distress-and-opportunity signal. There are about 305 housing units across 12120. DLRadar's demographic-stress index for the area reads 21/100. 1.5% of residents fall below the poverty threshold. Owners hold 93% of homes, renters 7%. Median household income is $76,728, near the U.S. median near $78,000. Population is roughly 596 with a median age of 44. Educational attainment sits at 35% bachelor's-or-above. Home values center near $309,500, an affordability ratio of 3.5× — accessible. Rent burden reaches 0% of tenant households.

On the whole, 12120 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.