ZIP 13776 Property Distress & Foreclosure Data

Composite property distress in 13776 (Otsego County, New York) lands at 17/100 — low on DLRadar's public-record scoring. Structural exposure scores 37 and live distress 2 on the 0–100 scale. The sharpest non-environmental signals are construction/permit lag (55/100), structural risk (37/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100). Environmental exposure also runs high (climate & FEMA risk (75/100)).

The expansion-phase market in 13776 posted values that rose 6.3% over the year, at 39/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Population is roughly 395 with a median age of 48. Home values center near $161,500, an affordability ratio of 2.1× — accessible. Owners hold 82% of homes, renters 18%. Median household income is $72,000, near the U.S. median near $78,000. Educational attainment sits at 39% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 21/100. Vacancy runs 28.3%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 17% of tenant households. There are about 206 housing units across 13776. 6.6% of residents fall below the poverty threshold.

On the whole, 13776 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.