ZIP 13040 Property Distress & Foreclosure Data

DLRadar grades ZIP 13040 (Cortland County, New York) at a low 23/100 for overall property distress. It additionally carries heavy environmental risk: FEMA disaster exposure (66/100). Property-level stress concentrates in construction/permit lag (72/100), structural risk (51/100), institutional ownership (38/100). By contrast, institutional ownership (38/100) and mortgage stress (15/100) register low. Structural risk reads 51/100 against active distress of 5/100.

The market reads expansion — home values rose 6.3% year on year, at 39/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 2,683 people live here, median age 41. There are about 1,249 housing units across 13040. 80% of housing is owner-occupied. Vacancy runs 18.8%, above the national norm and a classic distress-and-opportunity signal. At $67,049, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 28/100. Around 18% of adults hold a bachelor's degree or higher. The poverty rate is 11.8%. The typical home is worth about $139,200 (1.9× income, relatively affordable). Rent burden reaches 46% of tenant households.

Net-net, 13040 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.