ZIP 13438 Foreclosure, Tax-Lien & Distress Report
Oneida County, New York · High Vacancy market
DLRadar grades ZIP 13438 (Oneida County, New York) at a low 22/100 for overall property distress. The most distinctive pressure shows up in structural risk (50/100), construction/permit lag (48/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (8/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (80/100), flood (NFIP) exposure (70/100). Latent structural risk is 50/100 while live distress already moving reads 2/100.
The expansion-phase market in 13438 posted values that rose 9.6% over the year, at 85/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
Rent burden reaches 50% of tenant households. 11.5% of residents fall below the poverty threshold. About 23% have a four-year degree. The vacancy rate is 27.4% — elevated. Households earn a median $68,140 — below the roughly $78,000 national figure. The demographic-stress sub-score lands at 30/100. About 3,310 people live here, median age 48. The tenure split is 85% owner-occupied to 15% rented. There are about 1,915 housing units across 13438. Home values center near $192,900, an affordability ratio of 2.6× — accessible.
Net-net, 13438 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
The number is not local guesswork: 13438's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 13438 shows blanks, not estimates, wherever the record is sparse.
Behind 13438's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 13438 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 13438’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
The 13438 distress snapshot
A live read on 13438: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Other Oneida County ZIP codes
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Rules-based scoring — each signal ties to a public dataset · methodology