ZIP 12307 Property Distress & Foreclosure Data

DLRadar grades ZIP 12307 (Schenectady County, New York) at a low 23/100 for overall property distress. Property-level stress concentrates in construction/permit lag (76/100), structural risk (53/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (6/100) stay muted. On the structural side it scores 53/100, with 2/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (73/100), flood (NFIP) exposure (64/100).

Prices here sit in a expansion phase: values rose 5.6% over the trailing year (phase confidence 32/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Households earn a median $33,191 — below the roughly $78,000 national figure. The ZIP holds roughly 3,422 housing units. The tenure split is 27% owner-occupied to 73% rented. About 14% have a four-year degree. Roughly 34.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 12307 scores 43/100. A median home runs $104,600 here, or 2.9 times local income. The vacancy rate is 10.1%. Around 69% of renters are cost-burdened. 7,977 residents call 12307 home, typically aged 30.

Taken together, 12307 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.