ZIP 12143 Property Distress & Foreclosure Data

ZIP code 12143 in Albany County, New York carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (84/100), flood (NFIP) exposure (61/100). The latent-versus-live split is 49/100 structural and 2/100 already moving. What sets it apart are the readings on structural risk (49/100), construction/permit lag (47/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (7/100) register low.

The market reads expansion — home values rose 5.7% year on year, and 17% higher over three years (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $89,450, median income runs above typical U.S. levels. The typical home is worth about $234,000 (2.5× income, relatively affordable). The ZIP holds roughly 2,631 housing units. Around 32% of renters are cost-burdened. The demographic-stress sub-score lands at 25/100. About 5,462 people live here, median age 46. Around 27% of adults hold a bachelor's degree or higher. 78% of housing is owner-occupied. The poverty rate is 8.3%. The vacancy rate is 14.2% — elevated.

Net-net, 12143 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.