ZIP 12149 Property Distress & Foreclosure Data

In Schoharie County, New York, ZIP 12149 scores 11 of 100 for composite distress, a minimal level on DLRadar's public-record index. On the structural side it scores 23/100, with 2/100 of stress already active. Its standout signals are construction/permit lag (37/100), structural risk (23/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low.

The market reads expansion — home values rose 5.6% year on year (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $58,750, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 29/100. The vacancy rate is 28.2% — elevated. Around 23% of adults hold a bachelor's degree or higher. The poverty rate is 10.0%. About 2,176 people live here, median age 47. The ZIP holds roughly 1,322 housing units. The typical home is worth about $169,500 (2.5× income, relatively affordable). Around 39% of renters are cost-burdened. 75% of housing is owner-occupied.

Net-net, 12149 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.