ZIP 13640 Property Distress & Foreclosure Data

Composite property distress in 13640 (Jefferson County, New York) lands at 39/100 — moderate on DLRadar's public-record scoring. It additionally carries heavy environmental risk: FEMA disaster exposure (73/100), climate & FEMA risk (66/100). The sharpest non-environmental 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. Structural exposure scores 42 and live distress 5 on the 0–100 scale.

The market reads contraction — home values fell 3.2% year on year, 7.2% off the recent peak, at 78/100 phase confidence. A cooling market tends to open discount-to-value windows.

At $92,422, median income runs above typical U.S. levels. The poverty rate is 3.8% — low. Vacancy runs 82.6%, above the national norm and a classic distress-and-opportunity signal. There are about 754 housing units across 13640. 100% of housing is owner-occupied. About 305 people live here, median age 65. Around 59% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 28/100. The typical home is worth about $370,200 (3.6× income, relatively affordable).

Net-net, 13640 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.