ZIP 13361 Property Distress & Foreclosure Data

Composite property distress in 13361 (Herkimer County, New York) lands at 20/100 — low on DLRadar's public-record scoring. Structural exposure scores 46 and live distress 3 on the 0–100 scale. The sharpest non-environmental signals are construction/permit lag (68/100), structural risk (46/100), institutional ownership (13/100). By contrast, institutional ownership (13/100) and mortgage stress (9/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (64/100).

The market reads expansion — home values rose 6.9% year on year, at 45/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 23.6%, above the national norm and a classic distress-and-opportunity signal. 80% of housing is owner-occupied. About 666 people live here, median age 40. At $100,000, median income runs above typical U.S. levels. There are about 324 housing units across 13361. The demographic-stress sub-score lands at 26/100. The typical home is worth about $178,500 (1.8× income, relatively affordable). Rent burden reaches 44% of tenant households. Around 34% of adults hold a bachelor's degree or higher. The poverty rate is 12.6%.

Net-net, 13361 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.