ZIP 13638 Property Distress & Foreclosure Data

ZIP code 13638 in Jefferson County, New York carries a composite property-distress score of 39/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (FEMA disaster exposure (73/100), climate & FEMA risk (66/100)). On the structural side it scores 42/100, with 5/100 of stress already active. What sets it apart are the readings on insurance pressure (55/100), price dislocation (50/100), structural risk (42/100). On the quiet end sit construction/permit lag (27/100) and mortgage stress (18/100).

The contraction-phase market in 13638 posted values that fell 3.2% over the year, 7.2% off the recent peak (phase confidence 78/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Median household income is $79,750, near the U.S. median near $78,000. Educational attainment sits at 0% bachelor's-or-above. Owners hold 67% of homes, renters 33%. Home values center near $203,300, an affordability ratio of 2.1× — accessible. The ZIP holds roughly 96 housing units. Population is roughly 172 with a median age of 58. 12.2% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 22/100. Around 0% of renters are cost-burdened. The vacancy rate is 0.0%.

On the whole, 13638 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.