ZIP 13685 Property Distress & Foreclosure Data

DLRadar grades ZIP 13685 (Jefferson County, New York) at a moderate 39/100 for overall property distress. Property-level stress concentrates in 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. It additionally carries heavy environmental risk: 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.

The market reads contraction — home values fell 3.2% year on year, 7.2% off the recent peak, and 12% higher over three years (phase confidence 78/100). A cooling market tends to open discount-to-value windows.

Around 42% of adults hold a bachelor's degree or higher. Around 27% of renters are cost-burdened. At $85,195, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 29/100. The typical home is worth about $283,400 (3.4× income, relatively affordable). About 2,234 people live here, median age 45. The poverty rate is 11.3%. The ZIP holds roughly 1,525 housing units. The vacancy rate is 26.5% — elevated. 60% of housing is owner-occupied.

Net-net, 13685 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.