ZIP 12534 Property Distress & Foreclosure Data

Columbia County, New York's ZIP 12534 registers 19/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (43/100), structural risk (43/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (9/100). Environmental exposure also runs high (climate & FEMA risk (68/100)). On the structural side it scores 43/100, with 3/100 of stress already active.

The expansion-phase market in 12534 posted values that rose 6.3% over the year, and 17% higher over three years (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $76,086, near the U.S. median near $78,000. Population is roughly 17,468 with a median age of 47. DLRadar's demographic-stress index for the area reads 35/100. The ZIP holds roughly 9,575 housing units. Educational attainment sits at 33% bachelor's-or-above. Owners hold 62% of homes, renters 38%. 16.5% of residents fall below the poverty threshold. Home values center near $316,700, an affordability ratio of 3.4× — accessible. Around 57% of renters are cost-burdened. The vacancy rate is 18.3% — elevated.

On the whole, 12534 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.