ZIP 12992 Property Distress & Foreclosure Data

DLRadar grades ZIP 12992 (Clinton County, New York) at a low 19/100 for overall property distress. Property-level stress concentrates in construction/permit lag (73/100), structural risk (43/100), institutional ownership (5/100). By contrast, institutional ownership (5/100) and mortgage stress (4/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (70/100). On the structural side it scores 43/100, with 1/100 of stress already active.

The market reads expansion — home values rose 6.3% year on year, and 8% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The poverty rate is 6.4% — low. Around 19% of adults hold a bachelor's degree or higher. At $78,214, median income runs near typical U.S. levels. Around 22% of renters are cost-burdened. The demographic-stress sub-score lands at 23/100. The typical home is worth about $161,100 (2.2× income, relatively affordable). 77% of housing is owner-occupied. The ZIP holds roughly 2,045 housing units. The vacancy rate is 7.1%. About 4,129 people live here, median age 44.

Overall 12992 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.