ZIP 12981 Property Distress & Foreclosure Data

ZIP code 12981 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 (69/100)). On the structural side it scores 44/100, with 2/100 of stress already active. What sets it apart are the readings on construction/permit lag (72/100), structural risk (44/100), institutional ownership (8/100). On the quiet end sit institutional ownership (8/100) and mortgage stress (5/100).

The expansion-phase market in 12981 posted values that rose 6.3% over the year (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $73,258, near the U.S. median near $78,000. 20.6% of residents fall below the poverty threshold. Population is roughly 2,233 with a median age of 42. The ZIP holds roughly 1,024 housing units. Around 31% of renters are cost-burdened. Educational attainment sits at 21% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 27/100. The vacancy rate is 21.0% — elevated. Owners hold 87% of homes, renters 13%. Home values center near $182,300, an affordability ratio of 1.9× — accessible.

On the whole, 12981 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.