ZIP 12966 Property Distress & Foreclosure Data

Composite property distress in 12966 (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 exposure scores 50 and live distress 7 on the 0–100 scale.

The expansion-phase market in 12966 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.

Owners hold 86% of homes, renters 14%. 18.9% of residents fall below the poverty threshold. Vacancy runs 17.1%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 19% bachelor's-or-above. Home values center near $114,600, an affordability ratio of 1.8× — accessible. Rent burden reaches 43% of tenant households. Population is roughly 2,962 with a median age of 37. There are about 1,361 housing units across 12966. Median household income is $66,016, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 28/100.

On the whole, 12966 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.