ZIP 12194 Property Distress & Foreclosure Data

In Schoharie County, New York, ZIP 12194 scores 10 of 100 for composite distress, a minimal level on DLRadar's public-record index. The latent-versus-live split is 22/100 structural and 2/100 already moving. Its standout signals are construction/permit lag (33/100), structural risk (22/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low.

The market reads expansion — home values rose 5.6% year on year (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 0% of renters are cost-burdened. The typical home is worth about $239,100 (2.9× income, relatively affordable). The poverty rate is 10.8%. The vacancy rate is 53.0% — elevated. The demographic-stress sub-score lands at 26/100. 89% of housing is owner-occupied. Around 21% of adults hold a bachelor's degree or higher. About 213 people live here, median age 39. At $81,250, median income runs near typical U.S. levels. The ZIP holds roughly 137 housing units.

Net-net, 12194 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.