ZIP 13061 Property Distress & Foreclosure Data

ZIP code 13061 in Madison County, New York carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (62/100), structural risk (51/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (10/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (84/100), climate & FEMA risk (62/100). On the structural side it scores 51/100, with 3/100 of stress already active.

The market reads expansion — home values rose 8.0% year on year, and 42% higher over three years (phase confidence 52/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $83,239, median income runs near typical U.S. levels. 92% of housing is owner-occupied. The poverty rate is 7.1% — low. Around 21% of renters are cost-burdened. About 641 people live here, median age 57. The typical home is worth about $228,400 (2.7× income, relatively affordable). The ZIP holds roughly 633 housing units. The demographic-stress sub-score lands at 25/100. Around 36% of adults hold a bachelor's degree or higher. The vacancy rate is 49.7% — elevated.

Net-net, 13061 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.