ZIP 12939 Property Distress & Foreclosure Data

Composite property distress in 12939 (Franklin County, New York) lands at 23/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (FEMA disaster exposure (73/100), flood (NFIP) exposure (62/100)). The sharpest non-environmental signals are institutional ownership (53/100), structural risk (50/100), construction/permit lag (34/100). On the quiet end sit construction/permit lag (34/100) and mortgage stress (23/100). Structural risk reads 50/100 against active distress of 7/100.

The expansion-phase market in 12939 posted values that rose 6.5% over the year, at 38/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Population is roughly 162 with a median age of 57. Median household income is $51,736, below the U.S. median near $78,000. Owners hold 63% of homes, renters 37%. Rent burden reaches 0% of tenant households. Home values center near $275,000, an affordability ratio of 5.4×. 9.9% of residents fall below the poverty threshold. Vacancy runs 0.0%. There are about 130 housing units across 12939. DLRadar's demographic-stress index for the area reads 30/100. Educational attainment sits at 23% bachelor's-or-above.

On balance 12939 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.