ZIP 12302 Property Distress & Foreclosure Data

DLRadar grades ZIP 12302 (Schenectady County, New York) at a low 23/100 for overall property distress. Structural exposure scores 53 and live distress 2 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (73/100), flood (NFIP) exposure (65/100). Property-level stress concentrates in construction/permit lag (75/100), structural risk (53/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low.

The market reads expansion — home values rose 5.6% year on year, and 26% higher over three years, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 27,470 people live here, median age 43. The demographic-stress sub-score lands at 23/100. Vacancy runs 7.4%. 74% of housing is owner-occupied. There are about 12,334 housing units across 12302. The poverty rate is 4.3% — low. The typical home is worth about $255,700 (2.6× income, relatively affordable). Rent burden reaches 32% of tenant households. At $94,156, median income runs above typical U.S. levels. Around 42% of adults hold a bachelor's degree or higher.

Overall 12302 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.