ZIP 13324 Property Distress & Foreclosure Data

DLRadar grades ZIP 13324 (Herkimer County, New York) at a low 22/100 for overall property distress. Climate and flood risk are elevated too — flood (NFIP) exposure (67/100), climate & FEMA risk (61/100). The latent-versus-live split is 51/100 structural and 3/100 already moving. Property-level stress concentrates in construction/permit lag (78/100), structural risk (51/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (10/100) stay muted.

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

The tenure split is 90% owner-occupied to 10% rented. The vacancy rate is 42.2% — elevated. A median home runs $179,300 here, or 1.8 times local income. On demographic stress specifically, 13324 scores 29/100. Households earn a median $80,313 — near the roughly $78,000 national figure. About 18% have a four-year degree. Roughly 9.9% live below the poverty line. 1,714 residents call 13324 home, typically aged 55. Around 52% of renters are cost-burdened. The ZIP holds roughly 1,356 housing units.

Taken together, 13324 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.