ZIP 12578 Property Distress & Foreclosure Data

DLRadar grades ZIP 12578 (Dutchess County, New York) at a low 24/100 for overall property distress. Property-level stress concentrates in construction/permit lag (55/100), structural risk (55/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. On the structural side it scores 55/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (89/100), flood (NFIP) exposure (75/100).

The market reads expansion — home values rose 6.2% year on year, and 8% higher over three years (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

80% of housing is owner-occupied. The poverty rate is 7.0% — low. Around 43% of renters are cost-burdened. The demographic-stress sub-score lands at 29/100. At $97,367, median income runs above typical U.S. levels. The vacancy rate is 9.1%. About 2,306 people live here, median age 48. The typical home is worth about $372,800 (3.6× income, relatively affordable). Around 34% of adults hold a bachelor's degree or higher. The ZIP holds roughly 951 housing units.

Overall 12578 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.