ZIP 12491 Property Distress & Foreclosure Data

In Ulster County, New York, ZIP 12491 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), climate & FEMA risk (88/100). The latent-versus-live split is 44/100 structural and 3/100 already moving. 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.

The market reads expansion — home values rose 7.9% year on year, and 21% higher over three years (phase confidence 50/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

97% of housing is owner-occupied. The ZIP holds roughly 958 housing units. The poverty rate is 15.2%. Around 73% of renters are cost-burdened. The vacancy rate is 13.1% — elevated. Around 51% of adults hold a bachelor's degree or higher. At $71,963, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 35/100. The typical home is worth about $381,800 (4.6× income). About 2,017 people live here, median age 39.

Net-net, 12491 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.