ZIP 12972 Property Distress & Foreclosure Data

ZIP code 12972 in Clinton County, New York carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (70/100)). The latent-versus-live split is 43/100 structural and 1/100 already moving. What sets it apart are the readings on construction/permit lag (73/100), structural risk (43/100), institutional ownership (5/100). On the quiet end sit institutional ownership (5/100) and mortgage stress (4/100).

The expansion-phase market in 12972 posted values that rose 6.3% over the year, and 14% higher over three years (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The vacancy rate is 5.4%. Around 34% of renters are cost-burdened. Median household income is $120,822, above the U.S. median near $78,000. Educational attainment sits at 33% bachelor's-or-above. The ZIP holds roughly 2,957 housing units. DLRadar's demographic-stress index for the area reads 20/100. Home values center near $201,700, an affordability ratio of 1.6× — accessible. Population is roughly 7,063 with a median age of 42. 5.9% of residents fall below the poverty threshold. Owners hold 89% of homes, renters 11%.

Broadly, 12972 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.