ZIP 13732 Property Distress & Foreclosure Data

ZIP code 13732 in Tioga County, New York carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 43 and live distress 2 on the 0–100 scale. Climate and flood risk are elevated too — flood (NFIP) exposure (73/100), climate & FEMA risk (60/100). What sets it apart are the readings on construction/permit lag (44/100), structural risk (43/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (8/100) stay muted.

Prices here sit in a expansion phase: values rose 9.8% over the trailing year, and 28% higher over three years, at 76/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The tenure split is 86% owner-occupied to 14% rented. About 35% have a four-year degree. There are about 3,189 housing units across 13732. Households earn a median $89,180 — above the roughly $78,000 national figure. 7,438 residents call 13732 home, typically aged 44. Roughly 8.5% live below the poverty line. A median home runs $192,900 here, or 2.0 times local income. On demographic stress specifically, 13732 scores 19/100. Vacancy runs 3.4%. Rent burden reaches 17% of tenant households.

On balance, 13732 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.