ZIP 12158 Property Distress & Foreclosure Data

In Albany County, New York, ZIP 12158 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (50/100), construction/permit lag (47/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low. The latent-versus-live split is 50/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (66/100).

The market reads expansion — home values rose 5.6% year on year, and 14% higher over three years (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $95,949, median income runs above typical U.S. levels. Around 24% of renters are cost-burdened. The poverty rate is 3.3% — low. Around 41% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 24/100. 70% of housing is owner-occupied. The typical home is worth about $315,100 (3.1× income, relatively affordable). About 6,221 people live here, median age 50. The vacancy rate is 13.7% — elevated. The ZIP holds roughly 3,177 housing units.

Net-net, 12158 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.