ZIP 12198 Foreclosure, Tax-Lien & Distress Report

Rensselaer County, New York's ZIP 12198 registers 25/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (83/100). The latent-versus-live split is 56/100 structural and 2/100 already moving. Leading the profile are construction/permit lag (78/100), structural risk (56/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (7/100) register low.

The market reads expansion — home values rose 6.6% year on year, and 31% higher over three years (phase confidence 39/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The ZIP holds roughly 3,017 housing units. The vacancy rate is 4.4%. Rent burden reaches 33% of tenant households. 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. Roughly 4.7% live below the poverty line, a low share typical of higher-equity areas. Owners hold 75% of homes, renters 25%. About 42% have a four-year degree. Home values center near $285,100, an affordability ratio of 2.5× — accessible.

Net-net, 12198 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 12198 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 12198 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 12198 can be compared directly against any other ZIP in Rensselaer County, New York or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 12198 shows blanks, not estimates, wherever the record is sparse.

Each component behind 12198 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. Treat 12198 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.