ZIP 12209 Property Distress & Foreclosure Data

Composite property distress in 12209 (Albany County, New York) lands at 22/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (66/100). The sharpest non-environmental signals are 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. Structural risk reads 50/100 against active distress of 2/100.

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

The typical home is worth about $217,100 (2.5× income, relatively affordable). At $81,642, median income runs near typical U.S. levels. About 10,754 people live here, median age 35. The demographic-stress sub-score lands at 24/100. Vacancy runs 5.9%. Rent burden reaches 32% of tenant households. 66% of housing is owner-occupied. There are about 4,598 housing units across 12209. The poverty rate is 10.6%. Around 46% of adults hold a bachelor's degree or higher.

Overall 12209 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.