ZIP 12164 Foreclosure, Tax-Lien & Distress Report

ZIP code 12164 in Hamilton County, New York carries a composite property-distress score of 13/100 — a minimal reading on DLRadar's deterministic distress index. Leading the profile are construction/permit lag (46/100), institutional ownership (32/100), structural risk (30/100). structural risk (30/100) and mortgage stress (28/100) stay muted. Latent structural risk is 30/100 while live distress already moving reads 8/100.

Prices here sit in a expansion phase: values rose 6.0% over the trailing year, at 38/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The typical home is worth about $226,800 (3.2× income, relatively affordable). Median household income is $58,594, below the U.S. median near $78,000. The vacancy rate is 71.4% — elevated. The ZIP holds roughly 792 housing units. Around 37% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 35/100. About 520 people live here, median age 64. About 31% have a four-year degree. 76% of housing is owner-occupied. The poverty rate is 17.1% — high, a tax-stress and distress correlate.

On the whole, 12164 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 12164 is not published yet -- the ZIP-level readings above remain fully sourced.

The 12164 read uses the identical scoring model applied coast to coast, which means its 13/100 score means exactly what it means anywhere else, and 12164 stays directly comparable to neighboring ZIPs and the rest of Hamilton County, New York. The score is rebuilt from public data as it updates, so 12164 reflects the current record instead of a stale or modeled snapshot.

12164's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 12164 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.