ZIP 12122 Property Distress & Foreclosure Data

DLRadar grades ZIP 12122 (Schoharie County, New York) at a minimal 12/100 for overall property distress. Property-level stress concentrates in construction/permit lag (42/100), structural risk (26/100), mortgage stress (5/100). By contrast, mortgage stress (5/100) and institutional ownership (4/100) register low. Structural exposure scores 26 and live distress 1 on the 0–100 scale.

The market reads expansion — home values rose 5.6% year on year, and 26% higher over three years, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $174,300 (3.2× income, relatively affordable). The demographic-stress sub-score lands at 32/100. About 3,555 people live here, median age 52. Vacancy runs 27.5%, above the national norm and a classic distress-and-opportunity signal. 79% of housing is owner-occupied. The poverty rate is 10.5%. There are about 2,276 housing units across 12122. At $54,308, median income runs below typical U.S. levels. Around 20% of adults hold a bachelor's degree or higher. Rent burden reaches 46% of tenant households.

Net-net, 12122 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.