ZIP 13315 Property Distress & Foreclosure Data

DLRadar grades ZIP 13315 (Otsego County, New York) at a low 17/100 for overall property distress. Property-level stress concentrates in construction/permit lag (55/100), structural risk (37/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. On the structural side it scores 37/100, with 2/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (75/100).

Prices here sit in a expansion phase: values rose 6.3% over the trailing year (phase confidence 39/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Households earn a median $65,417 — below the roughly $78,000 national figure. The ZIP holds roughly 618 housing units. Around 38% of renters are cost-burdened. About 19% have a four-year degree. The vacancy rate is 25.5% — elevated. 1,239 residents call 13315 home, typically aged 53. Roughly 15.1% live below the poverty line. A median home runs $202,000 here, or 2.9 times local income. On demographic stress specifically, 13315 scores 30/100. The tenure split is 86% owner-occupied to 14% rented.

Taken together, 13315 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.