ZIP 12401 Property Distress & Foreclosure Data

DLRadar grades ZIP 12401 (Ulster County, New York) at a low 20/100 for overall property distress. Structural exposure scores 44 and live distress 3 on the 0–100 scale. Property-level stress concentrates in structural risk (44/100), institutional ownership (20/100), mortgage stress (10/100). By contrast, institutional ownership (20/100) and mortgage stress (10/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), climate & FEMA risk (88/100).

The market reads expansion — home values rose 7.9% year on year, and 29% higher over three years, at 50/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 35,058 people live here, median age 40. The typical home is worth about $319,700 (4.2× income). 57% of housing is owner-occupied. Around 32% of adults hold a bachelor's degree or higher. The poverty rate is 17.2% — high, a tax-stress and distress correlate. There are about 17,241 housing units across 12401. At $67,426, median income runs below typical U.S. levels. Rent burden reaches 47% of tenant households. Vacancy runs 10.4%. The demographic-stress sub-score lands at 36/100.

Net-net, 12401 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.