ZIP 13407 Property Distress & Foreclosure Data

Herkimer County, New York's ZIP 13407 registers 22/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up 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)). On the structural side it scores 51/100, with 3/100 of stress already active.

The expansion-phase market in 13407 posted values that rose 7.1% over the year, and 22% higher over three years (phase confidence 47/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Educational attainment sits at 23% bachelor's-or-above. Population is roughly 5,125 with a median age of 48. The ZIP holds roughly 2,325 housing units. Around 23% of renters are cost-burdened. Median household income is $72,700, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 23/100. 13.6% of residents fall below the poverty threshold. The vacancy rate is 8.5%. Owners hold 80% of homes, renters 21%. Home values center near $149,100, an affordability ratio of 1.9× — accessible.

On balance 13407 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.