ZIP 12542 Property Distress & Foreclosure Data

Composite property distress in 12542 (Ulster County, New York) lands at 20/100 — low on DLRadar's public-record scoring. Structural risk reads 45/100 against active distress of 3/100. It additionally carries heavy environmental risk: climate & FEMA risk (88/100), flood (NFIP) exposure (88/100). The sharpest non-environmental signals are structural risk (45/100), institutional ownership (22/100), mortgage stress (10/100). By contrast, mortgage stress (10/100) and construction/permit lag (3/100) register low.

The market reads expansion — home values rose 7.7% year on year, and 23% higher over three years, at 48/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $416,000 (2.9× income, relatively affordable). At $123,517, median income runs above typical U.S. levels. About 5,859 people live here, median age 44. 76% of housing is owner-occupied. Around 43% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 27/100. Vacancy runs 7.9%. The poverty rate is 4.0% — low. There are about 2,324 housing units across 12542. Rent burden reaches 50% of tenant households.

Overall 12542 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.