ZIP 12203 Property Distress & Foreclosure Data

DLRadar grades ZIP 12203 (Albany County, New York) at a low 22/100 for overall property distress. Structural exposure scores 50 and live distress 2 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (66/100). Property-level stress concentrates in structural risk (50/100), construction/permit lag (47/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low.

The market reads expansion — home values rose 5.6% year on year, and 16% higher over three years, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $279,500 (3.2× income, relatively affordable). Vacancy runs 8.7%. About 30,080 people live here, median age 34. There are about 14,906 housing units across 12203. 49% of housing is owner-occupied. Around 54% of adults hold a bachelor's degree or higher. The poverty rate is 14.8%. Rent burden reaches 37% of tenant households. At $80,055, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 29/100.

Overall 12203 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.