ZIP 12202 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 12202 (Albany County, New York) at a low 26/100 for overall property distress. The most distinctive pressure shows up in construction/permit lag (76/100), structural risk (59/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (7/100). On the structural side it scores 59/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (71/100).

The market reads expansion — home values rose 6.6% year on year, and 30% higher over three years, at 39/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $49,684, median income runs below typical U.S. levels. The ZIP holds roughly 5,404 housing units. 26% of housing is owner-occupied. Around 33% of adults hold a bachelor's degree or higher. Around 32% of renters are cost-burdened. The typical home is worth about $166,000 (2.8× income, relatively affordable). Vacancy runs 16.1%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 34/100. 25.9% of residents fall below the poverty threshold. About 9,500 people live here, median age 35.

Taken together, 12202 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 12202 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 12202's 26/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 12202 shows blanks, not estimates, wherever the record is sparse.

Behind 12202's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 12202 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.