ZIP 13601 Property Distress & Foreclosure Data

ZIP code 13601 in Jefferson County, New York carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (42/100), institutional ownership (40/100), insurance pressure (37/100). By contrast, price dislocation (25/100) and mortgage stress (19/100) register low. On the structural side it scores 42/100, with 6/100 of stress already active. It additionally carries heavy environmental risk: FEMA disaster exposure (73/100), climate & FEMA risk (64/100).

The market reads contraction — home values fell 2.7% year on year, 6.8% off the recent peak, and 10% higher over three years (phase confidence 72/100). A cooling market tends to open discount-to-value windows.

At $57,503, median income runs below typical U.S. levels. 50% of housing is owner-occupied. The demographic-stress sub-score lands at 32/100. The vacancy rate is 12.1% — elevated. About 37,409 people live here, median age 36. Around 25% of adults hold a bachelor's degree or higher. Around 37% of renters are cost-burdened. The typical home is worth about $172,600 (3.0× income, relatively affordable). The poverty rate is 17.7% — high, a tax-stress and distress correlate. The ZIP holds roughly 18,739 housing units.

Net-net, 13601 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.