ZIP 12738 Property Distress & Foreclosure Data

ZIP code 12738 in Sullivan County, New York carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (78/100)). The latent-versus-live split is 37/100 structural and 3/100 already moving. What sets it apart are the readings on construction/permit lag (53/100), structural risk (37/100), mortgage stress (8/100). On the quiet end sit mortgage stress (8/100) and institutional ownership (3/100).

The expansion-phase market in 12738 posted values that rose 6.3% over the year (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Owners hold 44% of homes, renters 56%. The vacancy rate is 28.7% — elevated. DLRadar's demographic-stress index for the area reads 28/100. Around 0% of renters are cost-burdened. Median household income is $72,479, near the U.S. median near $78,000. Educational attainment sits at 18% bachelor's-or-above. Home values center near $391,700. Population is roughly 444 with a median age of 43. 2.5% of residents fall below the poverty threshold. The ZIP holds roughly 187 housing units.

On the whole, 12738 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.