ZIP 12185 Property Distress & Foreclosure Data

In Rensselaer County, New York, ZIP 12185 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (75/100), structural risk (54/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (77/100), flood (NFIP) exposure (61/100). On the structural side it scores 54/100, with 2/100 of stress already active.

The market reads expansion — home values rose 6.9% year on year, and 20% higher over three years (phase confidence 53/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 5.4%. Around 27% of renters are cost-burdened. At $111,691, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 21/100. Around 33% of adults hold a bachelor's degree or higher. The ZIP holds roughly 773 housing units. The poverty rate is 5.2% — low. The typical home is worth about $210,900 (1.9× income, relatively affordable). About 1,699 people live here, median age 45. 79% of housing is owner-occupied.

Overall 12185 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.