ZIP 12160 Foreclosure, Tax-Lien & Distress Report

ZIP code 12160 in Schoharie County, New York carries a composite property-distress score of 15/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (82/100), structural risk (35/100), mortgage stress (5/100). mortgage stress (5/100) and institutional ownership (3/100) stay muted. Structural risk reads 35/100 against active distress of 2/100.

Prices here sit in a expansion phase: values rose 6.4% over the trailing year (phase confidence 37/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

735 residents call 12160 home, typically aged 47. Home values center near $167,600, an affordability ratio of 2.3× — accessible. The vacancy rate is 19.7% — elevated. 79% of housing is owner-occupied. The ZIP holds roughly 433 housing units. Around 6% of renters are cost-burdened. Households earn a median $70,833 — near the roughly $78,000 national figure. Roughly 8.4% live below the poverty line. Educational attainment sits at 13% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 22/100.

Net-net, 12160 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 12160 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 12160 runs through one identical public-record model, so its 15/100 sits on the same scale as every other ZIP in Schoharie County, New York and the nation. Sparse data for 12160 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 15/100 figure for 12160 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. In workflow terms, 12160 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.