ZIP 13328 Property Distress & Foreclosure Data

In Oneida County, New York, ZIP 13328 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (72/100). The latent-versus-live split is 49/100 structural and 2/100 already moving. Its standout signals are structural risk (49/100), construction/permit lag (36/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (8/100) register low.

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.

Around 47% of renters are cost-burdened. The poverty rate is 2.8% — low. The typical home is worth about $204,000 (2.1× income, relatively affordable). About 1,302 people live here, median age 39. At $95,000, median income runs above typical U.S. levels. Around 26% of adults hold a bachelor's degree or higher. The ZIP holds roughly 581 housing units. 89% of housing is owner-occupied. The demographic-stress sub-score lands at 23/100. The vacancy rate is 2.8%.

Overall 13328 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.