ZIP 12140 Property Distress & Foreclosure Data

DLRadar grades ZIP 12140 (Rensselaer County, New York) at a low 24/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (83/100). Property-level stress concentrates in construction/permit lag (75/100), structural risk (55/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (7/100) register low. Structural exposure scores 55 and live distress 2 on the 0–100 scale.

The market reads expansion — home values rose 5.6% year on year, and 10% higher over three years, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 675 housing units across 12140. Vacancy runs 4.0%. The poverty rate is 9.8%. 90% of housing is owner-occupied. The demographic-stress sub-score lands at 18/100. At $120,476, median income runs above typical U.S. levels. The typical home is worth about $301,600 (2.5× income, relatively affordable). Rent burden reaches 8% of tenant households. About 1,526 people live here, median age 50. Around 45% of adults hold a bachelor's degree or higher.

Overall 12140 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.