ZIP 12428 Property Distress & Foreclosure Data

In Ulster County, New York, ZIP 12428 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are 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). On the structural side it scores 44/100, with 3/100 of stress already active.

The market reads expansion — home values rose 7.9% year on year, and 14% higher over three years (phase confidence 50/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The poverty rate is 20.5% — high, a tax-stress and distress correlate. About 6,972 people live here, median age 44. At $78,802, median income runs near typical U.S. levels. Around 26% of adults hold a bachelor's degree or higher. The typical home is worth about $238,400 (2.5× income, relatively affordable). The ZIP holds roughly 3,727 housing units. Around 69% of renters are cost-burdened. The vacancy rate is 25.9% — elevated. The demographic-stress sub-score lands at 36/100. 62% of housing is owner-occupied.

Net-net, 12428 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.