ZIP 13304 Property Distress & Foreclosure Data

ZIP code 13304 in Oneida County, New York carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (48/100), construction/permit lag (37/100), 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 (83/100), flood (NFIP) exposure (71/100). On the structural side it scores 48/100, 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.

The demographic-stress sub-score lands at 25/100. 78% of housing is owner-occupied. The poverty rate is 9.1%. Around 48% of adults hold a bachelor's degree or higher. Around 43% of renters are cost-burdened. About 1,841 people live here, median age 39. At $105,313, median income runs above typical U.S. levels. The ZIP holds roughly 713 housing units. The typical home is worth about $300,000 (2.4× income, relatively affordable). The vacancy rate is 10.8%.

Overall 13304 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.