ZIP 12206 Property Distress & Foreclosure Data

ZIP code 12206 in Albany County, New York carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on 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 latent-versus-live split is 50/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (66/100).

The market reads expansion — home values rose 5.6% year on year, and 4% higher over three years (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 25.3% — elevated. The poverty rate is 37.8% — high, a tax-stress and distress correlate. The typical home is worth about $162,300 (4.2× income). About 14,592 people live here, median age 32. At $38,931, median income runs below typical U.S. levels. Around 26% of adults hold a bachelor's degree or higher. Around 55% of renters are cost-burdened. The demographic-stress sub-score lands at 46/100. 26% of housing is owner-occupied. The ZIP holds roughly 8,382 housing units.

Net-net, 12206 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.