ZIP 13478 Property Distress & Foreclosure Data

DLRadar grades ZIP 13478 (Oneida County, New York) at a low 22/100 for overall property distress. Property-level stress concentrates in structural risk (49/100), construction/permit lag (36/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (8/100) register low. The latent-versus-live split is 49/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (72/100).

The market reads expansion — home values rose 7.1% year on year, and 41% higher over three years (phase confidence 47/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The demographic-stress sub-score lands at 26/100. The typical home is worth about $185,800 (2.5× income, relatively affordable). The poverty rate is 9.3%. 91% of housing is owner-occupied. Around 45% of renters are cost-burdened. Around 19% of adults hold a bachelor's degree or higher. At $77,195, median income runs near typical U.S. levels. The ZIP holds roughly 1,440 housing units. About 3,331 people live here, median age 46. The vacancy rate is 7.2%.

Net-net, 13478 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.