ZIP 13157 Property Distress & Foreclosure Data

In Oneida County, New York, ZIP 13157 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (49/100), construction/permit lag (36/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (72/100). On the structural side it scores 49/100, with 2/100 of stress already active.

The market reads expansion — home values rose 7.1% year on year (phase confidence 47/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $53,125, median income runs below typical U.S. levels. About 547 people live here, median age 56. The demographic-stress sub-score lands at 30/100. Around 43% of renters are cost-burdened. The poverty rate is 8.6%. Around 25% of adults hold a bachelor's degree or higher. The typical home is worth about $162,900 (2.1× income, relatively affordable). The vacancy rate is 51.1% — elevated. 71% of housing is owner-occupied. The ZIP holds roughly 615 housing units.

Net-net, 13157 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.