ZIP 12157 Property Distress & Foreclosure Data

ZIP code 12157 in Schoharie County, New York carries a composite property-distress score of 11/100 — a minimal reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (36/100), structural risk (23/100), mortgage stress (5/100). mortgage stress (5/100) and institutional ownership (3/100) stay muted. Structural risk reads 23/100 against active distress of 2/100.

Prices here sit in a expansion phase: values rose 5.6% over the trailing year, and 26% higher over three years, at 32/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

4,444 residents call 12157 home, typically aged 46. Rent burden reaches 47% of tenant households. A median home runs $223,400 here, or 2.8 times local income. About 29% have a four-year degree. The tenure split is 85% owner-occupied to 15% rented. Vacancy runs 5.3%. Households earn a median $77,364 — near the roughly $78,000 national figure. On demographic stress specifically, 12157 scores 27/100. There are about 1,942 housing units across 12157. Roughly 7.4% live below the poverty line, a low share typical of higher-equity areas.

Overall, 12157 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.