ZIP 13403 Foreclosure, Tax-Lien & Distress Report

ZIP code 13403 in Oneida County, New York carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (72/100). On the structural side it scores 49/100, with 2/100 of stress already active. What sets it apart are the readings on 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, and 13% lower over three years (phase confidence 47/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The poverty rate is 7.4% — low. The vacancy rate is 6.2%. Around 34% of renters are cost-burdened. The demographic-stress sub-score lands at 24/100. At $100,060, median income runs above typical U.S. levels. 81% of housing is owner-occupied. About 7,133 people live here, median age 35. The typical home is worth about $226,600 (2.1× income, relatively affordable). Around 19% of adults hold a bachelor's degree or higher. The ZIP holds roughly 2,097 housing units.

Overall 13403 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.