ZIP 12208 Foreclosure, Tax-Lien & Distress Report
Albany County, New York · High Poverty market
Albany County, New York's ZIP 12208 registers 26/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (71/100). On the structural side it scores 59/100, with 2/100 of stress already active. Its standout signals are construction/permit lag (76/100), structural risk (59/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low.
The market reads expansion — home values rose 6.6% year on year, and 24% higher over three years, at 39/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
The tenure split is 45% owner-occupied to 55% rented. Educational attainment sits at 56% bachelor's-or-above. Around 47% of renters are cost-burdened. The typical home is worth about $264,700 (3.7× income, relatively affordable). Households earn a median $69,505 — near the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 33/100. The poverty rate is 20.6% — high, a tax-stress and distress correlate. Vacancy runs 8.0%. About 23,936 people live here, median age 33. There are about 11,583 housing units across 12208.
Taken together, 12208 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
The number is not local guesswork: 12208's 26/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 12208, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
12208's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 12208 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
ZIP 12208 distress signals, scored
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
12208 at a glance
12208 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Albany County ZIPs near 12208
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The complete 12208 distress and acquisition report
Open 12208 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Each signal above is traceable to an open dataset · methodology