ZIP 12303 Property Distress & Foreclosure Data

Composite property distress in 12303 (Albany County, New York) lands at 22/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (50/100), structural risk (50/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (83/100), flood (NFIP) exposure (66/100)). On the structural side it scores 50/100, with 2/100 of stress already active.

The expansion-phase market in 12303 posted values that rose 5.6% over the year, and 26% higher over three years (phase confidence 32/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $77,615, near the U.S. median near $78,000. Population is roughly 29,989 with a median age of 39. Owners hold 72% of homes, renters 28%. Around 55% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 31/100. Educational attainment sits at 35% bachelor's-or-above. 16.0% of residents fall below the poverty threshold. Home values center near $238,100, an affordability ratio of 2.9× — accessible. The ZIP holds roughly 12,626 housing units. The vacancy rate is 6.0%.

On balance 12303 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.