ZIP 13322 Foreclosure, Tax-Lien & Distress Report
Herkimer County, New York · High Vacancy market
In Herkimer County, New York, ZIP 13322 scores 20 of 100 for composite distress, a low level on DLRadar's distress index. Its heaviest discrete signals: structural risk (45/100), construction/permit lag (43/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (8/100) stay muted. Structural risk reads 45/100 against active distress of 2/100. Environmental exposure also runs high (climate & FEMA risk (71/100), flood (NFIP) exposure (68/100)).
The expansion-phase market in 13322 posted values that rose 9.6% over the year, at 85/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
The poverty rate is 4.2% — low. About 1,059 people live here, median age 42. Median household income is $92,250, above the U.S. median near $78,000. Rent burden reaches 58% of tenant households. Around 28% of adults hold a bachelor's degree or higher. On demographic stress specifically, 13322 scores 28/100. A median home runs $204,800 here, or 2.2 times local income. The vacancy rate is 30.7% — elevated. The tenure split is 91% owner-occupied to 9% rented. The ZIP holds roughly 551 housing units.
Taken together, 13322 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.
Big metro or rural, 13322 runs through one identical scoring model, so its 20/100 sits on the same scale as every other ZIP in Herkimer County, New York and the nation. 13322 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 20/100 for 13322 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 13322 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
What is driving ZIP 13322’s distress
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
13322 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 13322, the same set carried on every parcel.
Other Herkimer County ZIP codes
Nearest ZIP codes to 13322
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New York distress
Other reports tied to Herkimer County, New York — ZIP, county and statewide.
Open the complete 13322 acquisition file
Every distressed parcel in 13322 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Deterministic scoring, sourced entirely from public data · methodology