ZIP 12953 Property Distress & Foreclosure Data

Franklin County, New York's ZIP 12953 registers 23/100 composite distress, which DLRadar reads as low. Structural risk reads 50/100 against active distress of 7/100. The most distinctive pressure shows up in institutional ownership (53/100), structural risk (50/100), construction/permit lag (34/100). By contrast, construction/permit lag (34/100) and mortgage stress (23/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (73/100), flood (NFIP) exposure (62/100).

The market reads expansion — home values rose 6.5% year on year, and 24% higher over three years, at 38/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 15.8%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 25/100. The typical home is worth about $129,400 (1.9× income, relatively affordable). Rent burden reaches 23% of tenant households. 65% of housing is owner-occupied. There are about 5,589 housing units across 12953. About 12,842 people live here, median age 42. Around 23% of adults hold a bachelor's degree or higher. The poverty rate is 12.4%. At $64,673, median income runs below typical U.S. levels.

Net-net, 12953 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.