ZIP 12950 Property Distress & Foreclosure Data

In Essex County, New York, ZIP 12950 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100), climate & FEMA risk (62/100). The latent-versus-live split is 52/100 structural and 7/100 already moving. Its standout signals are construction/permit lag (65/100), structural risk (52/100), institutional ownership (45/100). By contrast, mortgage stress (23/100) 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.

At $74,375, median income runs near typical U.S. levels. 81% of housing is owner-occupied. The poverty rate is 1.4% — low. Around 18% of adults hold a bachelor's degree or higher. The vacancy rate is 18.7% — elevated. The demographic-stress sub-score lands at 25/100. Around 42% of renters are cost-burdened. The ZIP holds roughly 378 housing units. About 701 people live here, median age 46. The typical home is worth about $167,700 (2.0× income, relatively affordable).

Net-net, 12950 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.