ZIP 12486 Property Distress & Foreclosure Data

ZIP code 12486 in Ulster County, New York carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (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. What sets it apart are the readings on structural risk (44/100), institutional ownership (20/100), mortgage stress (10/100). On the quiet end sit institutional ownership (20/100) and mortgage stress (10/100).

The expansion-phase market in 12486 posted values that rose 7.9% over the year, and 15% higher over three years (phase confidence 50/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $83,333, near the U.S. median near $78,000. Around 84% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 37/100. Home values center near $320,000, an affordability ratio of 3.6× — accessible. The ZIP holds roughly 545 housing units. Owners hold 73% of homes, renters 27%. 11.7% of residents fall below the poverty threshold. The vacancy rate is 5.4%. Educational attainment sits at 26% bachelor's-or-above. Population is roughly 1,737 with a median age of 55.

Broadly, 12486 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.