ZIP 13318 Property Distress & Foreclosure Data

ZIP code 13318 in Oneida County, New York carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (86/100), flood (NFIP) exposure (72/100). What sets it apart are the readings on structural risk (49/100), construction/permit lag (36/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (8/100) stay muted. Structural exposure scores 49 and live distress 2 on the 0–100 scale.

Prices here sit in a expansion phase: values rose 7.1% over the trailing year, at 47/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The tenure split is 93% owner-occupied to 7% rented. On demographic stress specifically, 13318 scores 24/100. A median home runs $178,500 here, or 2.1 times local income. Vacancy runs 6.4%. 982 residents call 13318 home, typically aged 39. There are about 377 housing units across 13318. Rent burden reaches 30% of tenant households. Households earn a median $78,125 — near the roughly $78,000 national figure. About 15% have a four-year degree. Roughly 12.9% live below the poverty line.

On balance, 13318 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.