ZIP 12533 Property Distress & Foreclosure Data

Composite property distress in 12533 (Dutchess County, New York) lands at 24/100 — low on DLRadar's public-record scoring. Structural exposure scores 54 and live distress 2 on the 0–100 scale. The sharpest non-environmental signals are construction/permit lag (56/100), structural risk (54/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (75/100).

The market reads expansion — home values rose 6.2% year on year, and 18% higher over three years, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

90% of housing is owner-occupied. The typical home is worth about $478,600 (3.3× income, relatively affordable). The poverty rate is 4.7% — low. There are about 9,627 housing units across 12533. About 26,770 people live here, median age 41. The demographic-stress sub-score lands at 26/100. Vacancy runs 6.6%. Rent burden reaches 45% of tenant households. Around 46% of adults hold a bachelor's degree or higher. At $134,950, median income runs above typical U.S. levels.

Overall 12533 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.