ZIP 12603 Property Distress & Foreclosure Data

In Dutchess County, New York, ZIP 12603 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Structural exposure scores 55 and live distress 2 on the 0–100 scale. Its standout signals are construction/permit lag (55/100), structural risk (55/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (89/100), flood (NFIP) exposure (75/100)).

The expansion-phase market in 12603 posted values that rose 6.2% over the year, and 21% higher over three years, at 33/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Population is roughly 41,513 with a median age of 43. Vacancy runs 2.9%. DLRadar's demographic-stress index for the area reads 26/100. Owners hold 72% of homes, renters 28%. Rent burden reaches 39% of tenant households. Educational attainment sits at 47% bachelor's-or-above. Home values center near $368,900, an affordability ratio of 3.3× — accessible. Median household income is $104,185, above the U.S. median near $78,000. There are about 17,322 housing units across 12603. 8.0% of residents fall below the poverty threshold.

Broadly, 12603 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.