ZIP 12131 Property Distress & Foreclosure Data
DLRadar grades ZIP 12131 (Schoharie County, New York) at a minimal 10/100 for overall property distress. Property-level stress concentrates in construction/permit lag (33/100), structural risk (22/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low. Structural risk reads 22/100 against active distress of 2/100.
The market reads expansion — home values rose 5.6% year on year, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
About 209 people live here, median age 44. At $58,929, median income runs below typical U.S. levels. The typical home is worth about $165,000 (2.7× income, relatively affordable). 82% of housing is owner-occupied. Vacancy runs 37.1%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 26/100. Rent burden reaches 13% of tenant households. Around 25% of adults hold a bachelor's degree or higher. There are about 132 housing units across 12131. The poverty rate is 13.9%.
Net-net, 12131 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.
Distress signal breakdown — ZIP 12131
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Nearby ZIPs in Schoharie County
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Deterministic. Every signal traces to a public dataset · methodology