ZIP 12123 Property Distress & Foreclosure Data

Composite property distress in 12123 (Rensselaer County, New York) lands at 24/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (75/100), structural risk (55/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (82/100)). On the structural side it scores 55/100, with 2/100 of stress already active.

The expansion-phase market in 12123 posted values that rose 5.6% over the year, and 23% higher over three years (phase confidence 32/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $104,438, above the U.S. median near $78,000. 7.2% of residents fall below the poverty threshold. Population is roughly 4,853 with a median age of 42. DLRadar's demographic-stress index for the area reads 24/100. The ZIP holds roughly 2,203 housing units. Educational attainment sits at 39% bachelor's-or-above. Home values center near $297,000, an affordability ratio of 2.6× — accessible. The vacancy rate is 11.7% — elevated. Around 37% of renters are cost-burdened. Owners hold 83% of homes, renters 17%.

Broadly, 12123 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.