ZIP 13416 Property Distress & Foreclosure Data

Herkimer County, New York's ZIP 13416 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). The latent-versus-live split is 51/100 structural and 3/100 already moving. Environmental exposure also runs high (flood (NFIP) exposure (67/100), climate & FEMA risk (61/100)).

The expansion-phase market in 13416 posted values that rose 7.1% over the year (phase confidence 47/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $83,125, near the U.S. median near $78,000. Home values center near $185,500, an affordability ratio of 1.9× — accessible. 12.1% of residents fall below the poverty threshold. Educational attainment sits at 18% bachelor's-or-above. The ZIP holds roughly 1,034 housing units. DLRadar's demographic-stress index for the area reads 25/100. Population is roughly 2,120 with a median age of 45. Owners hold 84% of homes, renters 16%. Around 34% of renters are cost-burdened. The vacancy rate is 11.7% — elevated.

Broadly, 13416 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.