ZIP 12976 Property Distress & Foreclosure Data

Franklin County, New York's ZIP 12976 registers 23/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — FEMA disaster exposure (73/100), flood (NFIP) exposure (62/100). The latent-versus-live split is 50/100 structural and 7/100 already moving. The most distinctive pressure shows up in institutional ownership (53/100), structural risk (50/100), construction/permit lag (34/100). construction/permit lag (34/100) and mortgage stress (23/100) stay muted.

Prices here sit in a expansion phase: values rose 6.5% over the trailing year (phase confidence 38/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The vacancy rate is 54.9% — elevated. On demographic stress specifically, 12976 scores 33/100. About 71% have a four-year degree. Around 59% of renters are cost-burdened. Roughly 5.1% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 213 housing units. Households earn a median $70,417 — near the roughly $78,000 national figure. The tenure split is 80% owner-occupied to 20% rented. 196 residents call 12976 home, typically aged 61. A median home runs $231,300 here, or 4.1 times local income.

Taken together, 12976 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.