ZIP 12304 Property Distress & Foreclosure Data

Schenectady County, New York's ZIP 12304 registers 22/100 composite distress, which DLRadar reads as low. Structural risk reads 50/100 against active distress of 2/100. Climate and flood risk are elevated too — climate & FEMA risk (77/100), flood (NFIP) exposure (65/100). The most distinctive pressure shows up in construction/permit lag (56/100), structural risk (50/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (7/100) stay muted.

Prices here sit in a expansion phase: values rose 5.6% over the trailing year, and 28% higher over three years, at 32/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

There are about 9,495 housing units across 12304. The tenure split is 60% owner-occupied to 40% rented. Vacancy runs 2.4%. Roughly 20.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 12304 scores 31/100. Rent burden reaches 46% of tenant households. 22,027 residents call 12304 home, typically aged 42. About 25% have a four-year degree. A median home runs $179,200 here, or 2.5 times local income. Households earn a median $67,688 — below the roughly $78,000 national figure.

Taken together, 12304 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.