ZIP 12524 Property Distress & Foreclosure Data

Composite property distress in 12524 (Dutchess County, New York) lands at 24/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (89/100), flood (NFIP) exposure (75/100). The sharpest non-environmental signals are construction/permit lag (55/100), structural risk (55/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. Structural risk reads 55/100 against active distress of 2/100.

The market reads expansion — home values rose 6.2% year on year, and 16% higher over three years, at 33/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 15,079 people live here, median age 46. 66% of housing is owner-occupied. There are about 6,732 housing units across 12524. Rent burden reaches 44% of tenant households. At $95,713, median income runs above typical U.S. levels. The poverty rate is 4.4% — low. The typical home is worth about $398,300 (3.9× income, relatively affordable). The demographic-stress sub-score lands at 30/100. Vacancy runs 4.0%. Around 36% of adults hold a bachelor's degree or higher.

Overall 12524 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.