ZIP 12156 Foreclosure, Tax-Lien & Distress Report

Rensselaer County, New York's ZIP 12156 registers 25/100 composite distress, which DLRadar reads as low. Leading the profile are construction/permit lag (77/100), structural risk (57/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (79/100), flood (NFIP) exposure (73/100)). Structurally it carries 57/100, against 2/100 of stress already in motion.

Prices here sit in a expansion phase: values rose 6.1% over the trailing year, at 32/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Roughly 8.3% live below the poverty line. Population is roughly 939 with a median age of 30. DLRadar's demographic-stress index for the area reads 18/100. Around 27% of adults hold a bachelor's degree or higher. Rent burden reaches 0% of tenant households. Home values center near $242,000, an affordability ratio of 2.2× — accessible. The tenure split is 88% owner-occupied to 12% rented. Vacancy runs 0.0%. At $99,833, median income runs above typical U.S. levels. The ZIP holds roughly 305 housing units.

Overall, 12156 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 12156 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 12156 read uses the identical scoring model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 12156 stays directly comparable to neighboring ZIPs and the rest of Rensselaer County, New York. Nothing here is interpolated — where a source is thin for 12156, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 25/100 figure for 12156 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 12156 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.