ZIP 12138 Property Distress & Foreclosure Data

Rensselaer County, New York's ZIP 12138 registers 24/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (climate & FEMA risk (83/100)). On the structural side it scores 55/100, with 2/100 of stress already active. The most distinctive pressure shows up in 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).

The expansion-phase market in 12138 posted values that rose 5.6% over the year, and 54% 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 $78,693, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 26/100. Owners hold 91% of homes, renters 9%. Educational attainment sits at 22% bachelor's-or-above. Around 39% of renters are cost-burdened. Population is roughly 2,826 with a median age of 43. 7.6% of residents fall below the poverty threshold. Home values center near $191,900, an affordability ratio of 2.3× — accessible. The ZIP holds roughly 1,648 housing units. The vacancy rate is 29.4% — elevated.

On the whole, 12138 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.