ZIP 13439 Property Distress & Foreclosure Data

Otsego County, New York's ZIP 13439 registers 18/100 composite distress, which DLRadar reads as low. Structural exposure scores 41 and live distress 2 on the 0–100 scale. The most distinctive pressure shows up in construction/permit lag (59/100), structural risk (41/100), institutional ownership (8/100). By contrast, institutional ownership (8/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (69/100).

The market reads expansion — home values rose 6.6% year on year, and 57% higher over three years, at 42/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 3,667 people live here, median age 38. There are about 2,148 housing units across 13439. The poverty rate is 13.5%. Around 30% of adults hold a bachelor's degree or higher. Vacancy runs 36.0%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 24% of tenant households. 79% of housing is owner-occupied. The demographic-stress sub-score lands at 28/100. The typical home is worth about $185,600 (2.9× income, relatively affordable). At $63,681, median income runs below typical U.S. levels.

Net-net, 13439 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.