ZIP 12195 Property Distress & Foreclosure Data

DLRadar grades ZIP 12195 (Columbia County, New York) at a low 19/100 for overall property distress. Environmental exposure also runs high (climate & FEMA risk (68/100)). Property-level stress concentrates in construction/permit lag (43/100), structural risk (43/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (9/100). Structural exposure scores 43 and live distress 3 on the 0–100 scale.

The expansion-phase market in 12195 posted values that rose 6.3% over the year, at 39/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $229,600. Vacancy runs 0.0%. Population is roughly 155 with a median age of 29. Median household income is $143,817, above the U.S. median near $78,000. Educational attainment sits at 25% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 13/100. There are about 87 housing units across 12195. Rent burden reaches 0% of tenant households. Owners hold 83% of homes, renters 17%. 0.0% of residents fall below the poverty threshold.

Broadly, 12195 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.