ZIP 12548 Property Distress & Foreclosure Data

Ulster County, New York's ZIP 12548 registers 20/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), climate & FEMA risk (88/100). The most distinctive pressure shows up in structural risk (44/100), institutional ownership (20/100), mortgage stress (10/100). By contrast, institutional ownership (20/100) and mortgage stress (10/100) register low. Structural exposure scores 44 and live distress 3 on the 0–100 scale.

The market reads expansion — home values rose 7.9% year on year, and 42% higher over three years, at 50/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 5.9%. The typical home is worth about $428,800 (2.9× income, relatively affordable). 81% of housing is owner-occupied. Around 45% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 29/100. Rent burden reaches 60% of tenant households. About 1,039 people live here, median age 46. There are about 336 housing units across 12548. At $114,191, median income runs above typical U.S. levels. The poverty rate is 7.2% — low.

Overall 12548 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.