ZIP 12196 Property Distress & Foreclosure Data

Composite property distress in 12196 (Rensselaer County, New York) lands at 24/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (75/100), structural risk (55/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (7/100) stay muted. On the structural side it scores 55/100, with 2/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (83/100).

Prices here sit in a expansion phase: values rose 5.6% over the trailing year, and 25% higher over three years (phase confidence 32/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Roughly 3.8% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 0.5%. The tenure split is 91% owner-occupied to 9% rented. About 43% have a four-year degree. Households earn a median $126,825 — above the roughly $78,000 national figure. 3,848 residents call 12196 home, typically aged 43. Around 42% of renters are cost-burdened. The ZIP holds roughly 1,452 housing units. On demographic stress specifically, 12196 scores 23/100. A median home runs $317,300 here, or 2.7 times local income.

On balance, 12196 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.