ZIP 12209 Foreclosure, Tax-Lien & Distress Report

In Albany County, New York, ZIP 12209 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (climate & FEMA risk (86/100), flood (NFIP) exposure (71/100)). 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. Structural risk reads 59/100 against active distress of 2/100.

The expansion-phase market in 12209 posted values that rose 6.6% over the year, and 32% higher over three years (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The typical home is worth about $217,100 (2.5× income, relatively affordable). Households earn a median $81,642 — near the roughly $78,000 national figure. Population is roughly 10,754 with a median age of 35. The demographic-stress sub-score lands at 24/100. The vacancy rate is 5.9%. Rent burden reaches 32% of tenant households. Owners hold 66% of homes, renters 34%. The ZIP holds roughly 4,598 housing units. Roughly 10.6% live below the poverty line. Educational attainment sits at 46% bachelor's-or-above.

On balance 12209 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 12209 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 12209 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 12209, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 12209 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. In workflow terms, 12209 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.