ZIP 13326 Property Distress & Foreclosure Data

Otsego County, New York's ZIP 13326 registers 17/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (climate & FEMA risk (75/100)). On the structural side it scores 37/100, with 2/100 of stress already active. The most distinctive pressure shows up in 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 expansion-phase market in 13326 posted values that rose 6.3% over the year, and 31% higher over three years (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Owners hold 72% of homes, renters 28%. 8.4% of residents fall below the poverty threshold. Population is roughly 4,536 with a median age of 55. Around 18% of renters are cost-burdened. The vacancy rate is 29.8% — elevated. Educational attainment sits at 49% bachelor's-or-above. The ZIP holds roughly 2,699 housing units. DLRadar's demographic-stress index for the area reads 29/100. Median household income is $70,977, near the U.S. median near $78,000. Home values center near $340,100, an affordability ratio of 4.3×.

On the whole, 13326 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.