ZIP 13340 Property Distress & Foreclosure Data

ZIP code 13340 in Herkimer County, New York carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (78/100), structural risk (51/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (10/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (67/100), climate & FEMA risk (61/100). On the structural side it scores 51/100, with 3/100 of stress already active.

The market reads expansion — home values rose 7.1% year on year, and 25% higher over three years (phase confidence 47/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $69,928, median income runs near typical U.S. levels. The poverty rate is 6.5% — low. Around 22% of renters are cost-burdened. Around 22% of adults hold a bachelor's degree or higher. 81% of housing is owner-occupied. About 7,322 people live here, median age 44. The ZIP holds roughly 3,484 housing units. The typical home is worth about $157,800 (2.1× income, relatively affordable). The demographic-stress sub-score lands at 21/100. The vacancy rate is 4.7%.

Net-net, 13340 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.