ZIP 12165 Property Distress & Foreclosure Data

Columbia County, New York's ZIP 12165 registers 19/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (43/100), structural risk (43/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (9/100). The latent-versus-live split is 43/100 structural and 3/100 already moving. Environmental exposure also runs high (climate & FEMA risk (68/100)).

The expansion-phase market in 12165 posted values that rose 6.3% over the year (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Around 43% of renters are cost-burdened. 13.4% of residents fall below the poverty threshold. The vacancy rate is 14.1% — elevated. Educational attainment sits at 69% bachelor's-or-above. Population is roughly 202 with a median age of 70. The ZIP holds roughly 132 housing units. Median household income is $53,500, below the U.S. median near $78,000. Owners hold 94% of homes, renters 6%. DLRadar's demographic-stress index for the area reads 36/100. Home values center near $417,500, an affordability ratio of 7.2× — stretched.

On the whole, 12165 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.