ZIP 12205 Property Distress & Foreclosure Data

Albany County, New York's ZIP 12205 registers 22/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (86/100), flood (NFIP) exposure (66/100). The most distinctive pressure shows up in structural risk (50/100), construction/permit lag (47/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (7/100) stay muted. Structural risk reads 50/100 against active distress of 2/100.

Prices here sit in a expansion phase: values rose 5.6% over the trailing year, and 24% higher over three years, at 32/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

25,912 residents call 12205 home, typically aged 45. A median home runs $276,600 here, or 3.0 times local income. Rent burden reaches 31% of tenant households. Roughly 6.3% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 71% owner-occupied to 29% rented. There are about 12,116 housing units across 12205. Households earn a median $89,270 — above the roughly $78,000 national figure. About 36% have a four-year degree. Vacancy runs 4.7%. On demographic stress specifically, 12205 scores 25/100.

On balance, 12205 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.