ZIP 12521 Property Distress & Foreclosure Data

ZIP code 12521 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. The latent-versus-live split is 43/100 structural and 3/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (68/100).

The market reads expansion — home values rose 6.3% year on year, and 46% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $85,208, median income runs near typical U.S. levels. Around 33% of renters are cost-burdened. The vacancy rate is 39.6% — elevated. The demographic-stress sub-score lands at 30/100. 92% of housing is owner-occupied. The typical home is worth about $338,700 (3.9× income, relatively affordable). The poverty rate is 8.7%. About 1,874 people live here, median age 52. Around 39% of adults hold a bachelor's degree or higher. The ZIP holds roughly 1,294 housing units.

Net-net, 12521 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.