ZIP 13309 Property Distress & Foreclosure Data

ZIP code 13309 in Oneida County, New York carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 46/100 against active distress of 3/100. Climate and flood risk are elevated too — climate & FEMA risk (71/100), flood (NFIP) exposure (69/100). What sets it apart are the readings on structural risk (46/100), construction/permit lag (28/100), institutional ownership (26/100). institutional ownership (26/100) and mortgage stress (11/100) stay muted.

Prices here sit in a expansion phase: values rose 6.9% over the trailing year, and 22% higher over three years, at 45/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

5,828 residents call 13309 home, typically aged 45. There are about 2,822 housing units across 13309. The tenure split is 72% owner-occupied to 28% rented. Rent burden reaches 44% of tenant households. A median home runs $204,700 here, or 2.8 times local income. About 20% have a four-year degree. Households earn a median $70,377 — near the roughly $78,000 national figure. Roughly 11.3% live below the poverty line. Vacancy runs 9.4%. On demographic stress specifically, 13309 scores 29/100.

Overall, 13309 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.