ZIP 13420 Property Distress & Foreclosure Data

Herkimer County, New York's ZIP 13420 registers 22/100 composite distress, which DLRadar reads as low. Structural exposure scores 51 and live distress 3 on the 0–100 scale. Climate and flood risk are elevated too — flood (NFIP) exposure (67/100), climate & FEMA risk (61/100). The most distinctive pressure shows up in construction/permit lag (78/100), structural risk (51/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (10/100) stay muted.

Prices here sit in a expansion phase: values rose 7.1% over the trailing year, and 28% higher over three years, at 47/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 82.4%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 7% of tenant households. There are about 2,492 housing units across 13420. The tenure split is 87% owner-occupied to 13% rented. About 62% have a four-year degree. Roughly 5.3% live below the poverty line, a low share typical of higher-equity areas. 890 residents call 13420 home, typically aged 58. On demographic stress specifically, 13420 scores 25/100. A median home runs $355,200 here, or 3.2 times local income. Households earn a median $107,770 — above the roughly $78,000 national figure.

Taken together, 13420 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.