ZIP 13346 Property Distress & Foreclosure Data

In Madison County, New York, ZIP 13346 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (62/100), structural risk (51/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (10/100) register low. The latent-versus-live split is 51/100 structural and 3/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (84/100), climate & FEMA risk (62/100).

The market reads expansion — home values rose 8.0% year on year, and 29% higher over three years (phase confidence 52/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $65,391, median income runs below typical U.S. levels. The typical home is worth about $214,600 (3.4× income, relatively affordable). The demographic-stress sub-score lands at 29/100. Around 36% of renters are cost-burdened. The poverty rate is 13.3%. The vacancy rate is 23.2% — elevated. Around 46% of adults hold a bachelor's degree or higher. About 6,275 people live here, median age 23. The ZIP holds roughly 2,052 housing units. 71% of housing is owner-occupied.

Net-net, 13346 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.