ZIP 12188 Property Distress & Foreclosure Data

Saratoga County, New York's ZIP 12188 registers 24/100 composite distress, which DLRadar reads as low. Structural exposure scores 55 and live distress 2 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (65/100). The most distinctive pressure shows up in construction/permit lag (73/100), structural risk (55/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low.

The market reads expansion — home values rose 5.6% year on year, and 19% higher over three years, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

72% of housing is owner-occupied. The demographic-stress sub-score lands at 24/100. The typical home is worth about $281,400 (3.2× income, relatively affordable). Around 32% of adults hold a bachelor's degree or higher. About 11,414 people live here, median age 45. Vacancy runs 5.4%. Rent burden reaches 22% of tenant households. At $87,212, median income runs near typical U.S. levels. There are about 5,167 housing units across 12188. The poverty rate is 5.5% — low.

Overall 12188 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.