ZIP 12846 Property Distress & Foreclosure Data

ZIP code 12846 in Warren County, New York carries a composite property-distress score of 10/100 — a minimal reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (20/100), mortgage stress (6/100), institutional ownership (3/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100). Environmental exposure also runs high (climate & FEMA risk (65/100)). On the structural side it scores 20/100, with 2/100 of stress already active.

The expansion-phase market in 12846 posted values that rose 11.2% over the year, and 6% higher over three years (phase confidence 100/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

20.9% of residents fall below the poverty threshold. The ZIP holds roughly 2,175 housing units. Educational attainment sits at 26% bachelor's-or-above. Home values center near $221,100, an affordability ratio of 4.2×. Median household income is $47,449, below the U.S. median near $78,000. Owners hold 81% of homes, renters 19%. Around 71% of renters are cost-burdened. The vacancy rate is 32.5% — elevated. DLRadar's demographic-stress index for the area reads 40/100. Population is roughly 3,007 with a median age of 50.

On the whole, 12846 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.