ZIP 12173 Foreclosure, Tax-Lien & Distress Report

Columbia County, New York's ZIP 12173 registers 21/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (68/100). The sharpest non-environmental signals are construction/permit lag (62/100), structural risk (47/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (9/100). The split runs 47/100 structural to 3/100 active on the ground.

The peak-phase market in 12173 posted values that rose 4.9% over the year, and 40% higher over three years (phase confidence 36/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $225,600, an affordability ratio of 2.7× — accessible. The poverty rate is 9.6%. Population is roughly 2,040 with a median age of 37. The vacancy rate is 12.1% — elevated. Around 27% of adults hold a bachelor's degree or higher. On demographic stress specifically, 12173 scores 26/100. 81% of housing is owner-occupied. There are about 807 housing units across 12173. Around 28% of renters are cost-burdened. Median household income is $80,500, near the U.S. median near $78,000.

Taken together, 12173 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 12173 runs through one identical public-record model, so its 21/100 sits on the same scale as every other ZIP in Columbia County, New York and the nation. Nothing here is interpolated — where a source is thin for 12173, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

12173's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 12173 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.