ZIP 13316 Property Distress & Foreclosure Data

Composite property distress in 13316 (Oneida County, New York) lands at 21/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (69/100), flood (NFIP) exposure (69/100). The sharpest non-environmental signals are structural risk (46/100), institutional ownership (28/100), construction/permit lag (28/100). By contrast, construction/permit lag (28/100) and mortgage stress (12/100) register low. Structural risk reads 46/100 against active distress of 4/100.

The market reads expansion — home values rose 6.9% year on year, and 16% higher over three years, at 44/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 3,131 housing units across 13316. At $62,941, median income runs below typical U.S. levels. 86% of housing is owner-occupied. The poverty rate is 8.4%. Vacancy runs 12.6%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 47% of tenant households. About 5,924 people live here, median age 51. Around 21% of adults hold a bachelor's degree or higher. The typical home is worth about $162,000 (2.5× income, relatively affordable). The demographic-stress sub-score lands at 27/100.

Net-net, 13316 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.