ZIP 13126 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 13126 (Oswego County, New York) lands at 25/100 — low on DLRadar's distress scoring. Property-level stress concentrates in construction/permit lag (61/100), structural risk (56/100), institutional ownership (36/100). By contrast, institutional ownership (36/100) and mortgage stress (17/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (68/100), flood (NFIP) exposure (63/100). Structurally it carries 56/100, against 5/100 of stress already in motion.

The market reads expansion — home values rose 5.8% year on year, and 24% higher over three years (phase confidence 43/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Vacancy runs 13.1%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 29/100. Median household income is $63,590, below the U.S. median near $78,000. About 29% have a four-year degree. Roughly 17.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. A median home runs $145,400 here, or 2.1 times local income. Rent burden reaches 46% of tenant households. 36,199 residents call 13126 home, typically aged 35. 66% of housing is owner-occupied. There are about 15,648 housing units across 13126.

Net-net, 13126 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 13126 is not published yet -- the ZIP-level readings above remain fully sourced.

The 13126 read uses the identical scoring model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 13126 stays directly comparable to neighboring ZIPs and the rest of Oswego County, New York. Where the record is thin for 13126, the field stays empty rather than modeled, and fills in as new documents post.

Behind 13126's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 13126 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.