ZIP 12164 Property Distress & Foreclosure Data

Composite property distress in 12164 (Hamilton County, New York) lands at 17/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: FEMA disaster exposure (64/100). The sharpest non-environmental signals are construction/permit lag (65/100), institutional ownership (39/100), structural risk (37/100). By contrast, structural risk (37/100) and mortgage stress (28/100) register low. Structural risk reads 37/100 against active distress of 8/100.

The market reads expansion — home values rose 6.5% year on year, at 38/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $226,800 (3.2× income, relatively affordable). At $58,594, median income runs below typical U.S. levels. Vacancy runs 71.4%, above the national norm and a classic distress-and-opportunity signal. There are about 792 housing units across 12164. Rent burden reaches 37% of tenant households. The demographic-stress sub-score lands at 35/100. About 520 people live here, median age 64. Around 31% of adults hold a bachelor's degree or higher. 76% of housing is owner-occupied. The poverty rate is 17.1% — high, a tax-stress and distress correlate.

Net-net, 12164 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.