ZIP 12538 Property Distress & Foreclosure Data

Composite property distress in 12538 (Dutchess County, New York) lands at 24/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (55/100), structural risk (55/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (89/100), flood (NFIP) exposure (75/100). On the structural side it scores 55/100, with 2/100 of stress already active.

Prices here sit in a expansion phase: values rose 6.2% over the trailing year, and 26% higher over three years (phase confidence 33/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Roughly 10.3% live below the poverty line. 14,104 residents call 12538 home, typically aged 43. Households earn a median $86,641 — near the roughly $78,000 national figure. On demographic stress specifically, 12538 scores 30/100. Around 48% of renters are cost-burdened. A median home runs $322,100 here, or 3.3 times local income. About 31% have a four-year degree. The ZIP holds roughly 5,625 housing units. The vacancy rate is 4.0%. The tenure split is 68% owner-occupied to 32% rented.

On balance, 12538 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.