ZIP 12503 Property Distress & Foreclosure Data

ZIP code 12503 in Columbia County, New York carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (43/100), structural risk (43/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (9/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (68/100). The latent-versus-live split is 43/100 structural and 3/100 already moving.

The market reads expansion — home values rose 6.3% year on year (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 47% of adults hold a bachelor's degree or higher. The poverty rate is 7.7%. At $104,375, median income runs above typical U.S. levels. The ZIP holds roughly 548 housing units. The typical home is worth about $506,500 (4.4× income). About 750 people live here, median age 47. The demographic-stress sub-score lands at 32/100. 84% of housing is owner-occupied. Around 31% of renters are cost-burdened. The vacancy rate is 46.8% — elevated.

Net-net, 12503 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.