ZIP 12204 Property Distress & Foreclosure Data

Composite property distress in 12204 (Albany County, New York) lands at 22/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (50/100), construction/permit lag (47/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100). On the structural side it scores 50/100, with 2/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (86/100), flood (NFIP) exposure (66/100)).

The expansion-phase market in 12204 posted values that rose 5.6% over the year, and 42% higher over three years (phase confidence 32/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $75,197, near the U.S. median near $78,000. 14.1% of residents fall below the poverty threshold. The vacancy rate is 8.3%. Around 27% of renters are cost-burdened. Educational attainment sits at 39% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 30/100. Population is roughly 8,423 with a median age of 34. Home values center near $244,800, an affordability ratio of 3.0× — accessible. The ZIP holds roughly 3,986 housing units. Owners hold 30% of homes, renters 70%.

On balance 12204 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.