ZIP 12309 Property Distress & Foreclosure Data

Schenectady County, New York's ZIP 12309 registers 22/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (62/100), structural risk (51/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100). The latent-versus-live split is 51/100 structural and 2/100 already moving. Environmental exposure also runs high (climate & FEMA risk (75/100), flood (NFIP) exposure (65/100)).

The expansion-phase market in 12309 posted values that rose 5.6% over the year, and 23% higher over three years (phase confidence 32/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The ZIP holds roughly 13,610 housing units. Home values center near $330,700, an affordability ratio of 2.5× — accessible. DLRadar's demographic-stress index for the area reads 19/100. Around 27% of renters are cost-burdened. 4.3% of residents fall below the poverty threshold. The vacancy rate is 5.8%. Educational attainment sits at 59% bachelor's-or-above. Population is roughly 32,996 with a median age of 42. Median household income is $119,830, above the U.S. median near $78,000. Owners hold 83% of homes, renters 17%.

Broadly, 12309 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.