ZIP 12842 Property Distress & Foreclosure Data

In Hamilton County, New York, ZIP 12842 scores 17 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: FEMA disaster exposure (64/100). On the structural side it scores 37/100, with 8/100 of stress already active. Its standout signals are construction/permit lag (65/100), institutional ownership (39/100), structural risk (37/100). By contrast, structural risk (37/100) and mortgage stress (28/100) register low.

The market reads expansion — home values rose 6.5% year on year (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

79% of housing is owner-occupied. Around 38% of renters are cost-burdened. The ZIP holds roughly 1,295 housing units. The demographic-stress sub-score lands at 34/100. At $60,592, median income runs below typical U.S. levels. About 952 people live here, median age 58. Around 26% of adults hold a bachelor's degree or higher. The typical home is worth about $220,200 (3.8× income, relatively affordable). The poverty rate is 5.3% — low. The vacancy rate is 65.8% — elevated.

Net-net, 12842 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.