ZIP 12822 Foreclosure, Tax-Lien & Distress Report

Saratoga County, New York's ZIP 12822 registers 24/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (73/100), structural risk (55/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (79/100), flood (NFIP) exposure (65/100)). The latent-versus-live split is 55/100 structural and 2/100 already moving.

The expansion-phase market in 12822 posted values that rose 5.6% over the year, and 21% higher over three years (phase confidence 32/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $80,000, near the U.S. median near $78,000. 12.6% of residents fall below the poverty threshold. Home values center near $189,400, an affordability ratio of 2.3× — accessible. The ZIP holds roughly 3,467 housing units. Educational attainment sits at 16% bachelor's-or-above. The vacancy rate is 25.3% — elevated. Population is roughly 6,149 with a median age of 42. DLRadar's demographic-stress index for the area reads 29/100. Around 35% of renters are cost-burdened. Owners hold 76% of homes, renters 24%.

On the whole, 12822 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.