ZIP 13634 Property Distress & Foreclosure Data

In Jefferson County, New York, ZIP 13634 scores 39 of 100 for composite distress, a moderate level on DLRadar's public-record index. Its standout signals are insurance pressure (55/100), price dislocation (50/100), structural risk (42/100). By contrast, construction/permit lag (27/100) and mortgage stress (18/100) register low. On the structural side it scores 42/100, with 5/100 of stress already active. It additionally carries heavy environmental risk: FEMA disaster exposure (73/100), climate & FEMA risk (66/100).

The market reads contraction — home values fell 3.2% year on year, 7.2% off the recent peak, and 27% higher over three years (phase confidence 78/100). A cooling market tends to open discount-to-value windows.

The poverty rate is 7.7%. 82% of housing is owner-occupied. At $90,461, median income runs above typical U.S. levels. Around 47% of renters are cost-burdened. The vacancy rate is 24.1% — elevated. Around 25% of adults hold a bachelor's degree or higher. About 3,866 people live here, median age 44. The demographic-stress sub-score lands at 28/100. The ZIP holds roughly 2,076 housing units. The typical home is worth about $225,500 (2.4× income, relatively affordable).

Net-net, 13634 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.