ZIP 13421 Property Distress & Foreclosure Data

ZIP code 13421 in Madison County, New York carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (53/100), structural risk (50/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (9/100) register low. On the structural side it scores 50/100, with 3/100 of stress already active. It additionally carries heavy environmental risk: flood (NFIP) exposure (81/100), climate & FEMA risk (68/100).

The market reads expansion — home values rose 7.8% year on year, and 27% higher over three years (phase confidence 51/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 26% of adults hold a bachelor's degree or higher. 68% of housing is owner-occupied. The ZIP holds roughly 6,076 housing units. Around 40% of renters are cost-burdened. The poverty rate is 11.4%. The typical home is worth about $162,000 (2.3× income, relatively affordable). At $63,732, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 27/100. About 12,742 people live here, median age 46. The vacancy rate is 6.4%.

Net-net, 13421 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.