ZIP 13320 Property Distress & Foreclosure Data

Composite property distress in 13320 (Otsego County, New York) lands at 17/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (55/100), structural risk (37/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100). The latent-versus-live split is 37/100 structural and 2/100 already moving. Environmental exposure also runs high (climate & FEMA risk (75/100)).

The expansion-phase market in 13320 posted values that rose 6.3% over the year (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $80,956, near the U.S. median near $78,000. The vacancy rate is 31.0% — elevated. 16.5% of residents fall below the poverty threshold. Population is roughly 2,027 with a median age of 42. Around 57% of renters are cost-burdened. Home values center near $184,600, an affordability ratio of 2.4× — accessible. Educational attainment sits at 36% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 30/100. The ZIP holds roughly 1,053 housing units. Owners hold 90% of homes, renters 10%.

On the whole, 13320 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.