ZIP 13322 Property Distress & Foreclosure Data

ZIP code 13322 in Herkimer County, New York carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (47/100), structural risk (47/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (8/100) register low. On the structural side it scores 47/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (71/100), flood (NFIP) exposure (69/100).

The market reads expansion — home values rose 7.1% year on year (phase confidence 47/100). 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. At $92,250, median income runs above typical U.S. levels. Around 58% of renters are cost-burdened. Around 28% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 28/100. The typical home is worth about $204,800 (2.2× income, relatively affordable). The vacancy rate is 30.7% — elevated. 91% of housing is owner-occupied. The ZIP holds roughly 551 housing units.

Net-net, 13322 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.