ZIP 12137 Property Distress & Foreclosure Data

Composite property distress in 12137 (Schenectady County, New York) lands at 23/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (71/100). The sharpest non-environmental signals are construction/permit lag (80/100), structural risk (52/100), institutional ownership (13/100). By contrast, institutional ownership (13/100) and mortgage stress (6/100) register low. Structural exposure scores 52 and live distress 2 on the 0–100 scale.

The market reads expansion — home values rose 5.7% year on year, at 33/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 2,347 people live here, median age 32. The poverty rate is 15.0%. 80% of housing is owner-occupied. Around 29% of adults hold a bachelor's degree or higher. The typical home is worth about $271,500 (2.8× income, relatively affordable). There are about 886 housing units across 12137. Vacancy runs 6.6%. Rent burden reaches 41% of tenant households. The demographic-stress sub-score lands at 28/100. At $96,678, median income runs above typical U.S. levels.

Overall 12137 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.