ZIP 13039 Foreclosure, Tax-Lien & Distress Report

In Onondaga County, New York, ZIP 13039 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (82/100). The most distinctive pressure shows up in structural risk (43/100), institutional ownership (19/100), mortgage stress (8/100). By contrast, institutional ownership (19/100) and mortgage stress (8/100) register low. Structurally it carries 43/100, against 2/100 of stress already in motion.

The market reads expansion — home values rose 5.8% year on year, and 33% higher over three years (phase confidence 43/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Owners hold 84% of homes, renters 16%. The vacancy rate is 5.8%. Population is roughly 17,184 with a median age of 43. Median household income is $108,694, above the U.S. median near $78,000. Home values center near $247,400, an affordability ratio of 2.1× — accessible. On demographic stress specifically, 13039 scores 24/100. Educational attainment sits at 38% bachelor's-or-above. Rent burden reaches 49% of tenant households. There are about 7,324 housing units across 13039. The poverty rate is 6.4% — low.

Broadly, 13039 is a steadier market — the deals are the exceptions, not the rule. Parcel-level detail for 13039 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 13039 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 13039, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 20/100 for 13039 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 13039 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.