ZIP 12776 Property Distress & Foreclosure Data

DLRadar grades ZIP 12776 (Delaware County, New York) at a low 25/100 for overall property distress. Property-level stress concentrates in structural risk (55/100), construction/permit lag (50/100), institutional ownership (36/100). By contrast, institutional ownership (36/100) and mortgage stress (20/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (79/100). On the structural side it scores 55/100, with 6/100 of stress already active.

The market reads expansion — home values rose 6.4% year on year (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The demographic-stress sub-score lands at 31/100. 89% of housing is owner-occupied. At $79,875, median income runs near typical U.S. levels. The vacancy rate is 59.8% — elevated. About 2,046 people live here, median age 53. Around 35% of adults hold a bachelor's degree or higher. Around 41% of renters are cost-burdened. The typical home is worth about $248,200 (3.0× income, relatively affordable). The poverty rate is 9.2%. The ZIP holds roughly 1,870 housing units.

Net-net, 12776 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.