ZIP 12198 Property Distress & Foreclosure Data

ZIP code 12198 in Rensselaer County, New York carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (83/100)). The latent-versus-live split is 55/100 structural and 2/100 already moving. What sets it apart are the readings on construction/permit lag (75/100), structural risk (55/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (7/100).

The expansion-phase market in 12198 posted values that rose 5.6% over the year, and 31% higher over three years (phase confidence 32/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The ZIP holds roughly 3,017 housing units. The vacancy rate is 4.4%. Around 33% of renters are cost-burdened. Population is roughly 7,337 with a median age of 45. Median household income is $113,042, above the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 23/100. 4.7% of residents fall below the poverty threshold. Owners hold 75% of homes, renters 25%. Educational attainment sits at 42% bachelor's-or-above. Home values center near $285,100, an affordability ratio of 2.5× — accessible.

Broadly, 12198 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.