ZIP 13365 Property Distress & Foreclosure Data

DLRadar grades ZIP 13365 (Herkimer County, New York) at a low 22/100 for overall property distress. Structural exposure scores 51 and live distress 3 on the 0–100 scale. Property-level stress concentrates in construction/permit lag (78/100), structural risk (51/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (10/100). Environmental exposure also runs high (flood (NFIP) exposure (67/100), climate & FEMA risk (61/100)).

The expansion-phase market in 13365 posted values that rose 7.1% over the year, and 25% higher over three years, at 47/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Population is roughly 8,545 with a median age of 39. There are about 4,072 housing units across 13365. Home values center near $130,500, an affordability ratio of 2.0× — accessible. Vacancy runs 17.2%, above the national norm and a classic distress-and-opportunity signal. 19.3% of residents fall below the poverty threshold. Educational attainment sits at 19% bachelor's-or-above. Rent burden reaches 39% of tenant households. DLRadar's demographic-stress index for the area reads 28/100. Owners hold 78% of homes, renters 22%. Median household income is $60,458, below the U.S. median near $78,000.

On the whole, 13365 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.