ZIP 12788 Property Distress & Foreclosure Data

ZIP code 12788 in Sullivan County, New York carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (78/100). What sets it apart are the readings on construction/permit lag (53/100), structural risk (37/100), mortgage stress (8/100). By contrast, mortgage stress (8/100) and institutional ownership (3/100) register low. Structural risk reads 37/100 against active distress of 3/100.

The market reads expansion — home values rose 6.3% year on year, and 89% higher over three years, at 39/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 31.7%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 60% of tenant households. The typical home is worth about $270,500 (3.0× income, relatively affordable). There are about 1,423 housing units across 12788. About 3,122 people live here, median age 43. The demographic-stress sub-score lands at 36/100. 69% of housing is owner-occupied. Around 16% of adults hold a bachelor's degree or higher. The poverty rate is 13.5%. At $86,176, median income runs near typical U.S. levels.

Net-net, 12788 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.