ZIP 12186 Property Distress & Foreclosure Data

DLRadar grades ZIP 12186 (Albany County, New York) at a low 22/100 for overall property distress. Structural risk reads 50/100 against active distress of 2/100. Environmental exposure also runs high (climate & FEMA risk (86/100), flood (NFIP) exposure (66/100)). Property-level stress concentrates in structural risk (50/100), construction/permit lag (47/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100).

The expansion-phase market in 12186 posted values that rose 5.6% over the year, and 12% higher over three years, at 32/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Vacancy runs 3.2%. Home values center near $360,000, an affordability ratio of 2.9× — accessible. Median household income is $116,053, above the U.S. median near $78,000. Rent burden reaches 35% of tenant households. Population is roughly 6,608 with a median age of 44. There are about 2,717 housing units across 12186. Owners hold 85% of homes, renters 15%. Educational attainment sits at 52% bachelor's-or-above. 6.5% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 22/100.

Broadly, 12186 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.