ZIP 12863 Property Distress & Foreclosure Data

Saratoga County, New York's ZIP 12863 registers 24/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (65/100). The most distinctive pressure shows up in construction/permit lag (73/100), structural risk (55/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low. Structural exposure scores 55 and live distress 2 on the 0–100 scale.

The market reads expansion — home values rose 5.6% year on year, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 870 people live here, median age 37. Vacancy runs 14.9%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $342,100 (3.4× income, relatively affordable). There are about 407 housing units across 12863. At $92,536, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 37/100. Around 14% of adults hold a bachelor's degree or higher. Rent burden reaches 88% of tenant households. 81% of housing is owner-occupied. The poverty rate is 5.4% — low.

Net-net, 12863 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.