ZIP 13491 Property Distress & Foreclosure Data

DLRadar grades ZIP 13491 (Otsego County, New York) at a low 19/100 for overall property distress. Environmental exposure also runs high (climate & FEMA risk (68/100)). Property-level stress concentrates in construction/permit lag (60/100), structural risk (42/100), institutional ownership (9/100). On the quiet end sit institutional ownership (9/100) and mortgage stress (7/100). Structural risk reads 42/100 against active distress of 2/100.

The expansion-phase market in 13491 posted values that rose 6.8% over the year, at 43/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Owners hold 82% of homes, renters 18%. Vacancy runs 14.9%, above the national norm and a classic distress-and-opportunity signal. Home values center near $151,400, an affordability ratio of 2.0× — accessible. There are about 1,456 housing units across 13491. Population is roughly 3,570 with a median age of 38. Median household income is $72,500, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 25/100. 13.1% of residents fall below the poverty threshold. Educational attainment sits at 21% bachelor's-or-above. Rent burden reaches 28% of tenant households.

On the whole, 13491 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.