ZIP 13045 Property Distress & Foreclosure Data

DLRadar grades ZIP 13045 (Cortland County, New York) at a low 21/100 for overall property distress. The latent-versus-live split is 45/100 structural and 4/100 already moving. Property-level stress concentrates in construction/permit lag (67/100), structural risk (45/100), institutional ownership (30/100). institutional ownership (30/100) and mortgage stress (12/100) stay muted.

Prices here sit in a expansion phase: values rose 6.3% over the trailing year, and 18% higher over three years (phase confidence 39/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Around 38% of renters are cost-burdened. About 30% have a four-year degree. Households earn a median $67,028 — below the roughly $78,000 national figure. 28,388 residents call 13045 home, typically aged 32. On demographic stress specifically, 13045 scores 29/100. A median home runs $167,500 here, or 2.4 times local income. Roughly 15.5% live below the poverty line. The tenure split is 58% owner-occupied to 42% rented. The vacancy rate is 9.5%. The ZIP holds roughly 12,464 housing units.

Overall, 13045 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.