ZIP 12590 Property Distress & Foreclosure Data

In Dutchess County, New York, ZIP 12590 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (89/100), flood (NFIP) exposure (75/100). The latent-versus-live split is 55/100 structural and 2/100 already moving. Its standout signals are 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.

The market reads expansion — home values rose 6.2% year on year, and 20% higher over three years (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $98,252, median income runs above typical U.S. levels. Around 39% of renters are cost-burdened. The typical home is worth about $400,300 (3.7× income, relatively affordable). The vacancy rate is 2.3%. The poverty rate is 6.0% — low. 69% of housing is owner-occupied. The demographic-stress sub-score lands at 29/100. About 35,823 people live here, median age 46. Around 36% of adults hold a bachelor's degree or higher. The ZIP holds roughly 14,866 housing units.

Overall 12590 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.