ZIP 13132 Foreclosure, Tax-Lien & Distress Report

Oswego County, New York's ZIP 13132 registers 25/100 composite distress, which DLRadar reads as low. The split runs 56/100 structural to 5/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (68/100), flood (NFIP) exposure (63/100). The pressure is most legible 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.

The market reads expansion — home values rose 5.8% year on year, and 32% higher over three years (phase confidence 43/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The vacancy rate is 8.6%. Rent burden reaches 55% of tenant households. The ZIP holds roughly 1,942 housing units. The demographic-stress sub-score lands at 28/100. Owners hold 93% of homes, renters 7%. Median household income is $71,780, near the U.S. median near $78,000. About 3,561 people live here, median age 53. About 27% have a four-year degree. Home values center near $197,200, an affordability ratio of 2.6× — accessible. Roughly 15.0% live below the poverty line.

Net-net, 13132 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 13132 is not published yet -- the ZIP-level readings above remain fully sourced.

Big metro or rural, 13132 runs through one identical scoring model, so its 25/100 sits on the same scale as every other ZIP in Oswego County, New York and the nation. Every figure is auditable to a public dataset and refreshed as records update; 13132 shows blanks, not estimates, wherever the record is sparse.

13132's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 13132 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.