ZIP 12144 Property Distress & Foreclosure Data

In Rensselaer County, New York, ZIP 12144 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Structural exposure scores 55 and live distress 2 on the 0–100 scale. Its standout signals are 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). Environmental exposure also runs high (climate & FEMA risk (83/100)).

The expansion-phase market in 12144 posted values that rose 5.6% over the year, and 22% higher over three years, at 32/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $249,700, an affordability ratio of 2.7× — accessible. 11.8% of residents fall below the poverty threshold. Population is roughly 21,631 with a median age of 41. Owners hold 59% of homes, renters 41%. Educational attainment sits at 38% bachelor's-or-above. There are about 10,563 housing units across 12144. Rent burden reaches 30% of tenant households. DLRadar's demographic-stress index for the area reads 26/100. Vacancy runs 8.8%. Median household income is $88,357, above the U.S. median near $78,000.

Broadly, 12144 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.