ZIP 13778 Property Distress & Foreclosure Data

ZIP code 13778 in Chenango County, New York carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. Structural risk reads 68/100 against active distress of 7/100. What sets it apart are the readings on construction/permit lag (68/100), structural risk (68/100), institutional ownership (56/100). By contrast, mortgage stress (23/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (75/100), FEMA disaster exposure (73/100), climate & FEMA risk (72/100).

The market reads expansion — home values rose 6.7% year on year, and 19% higher over three years, at 37/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 2,718 housing units across 13778. At $67,050, median income runs below typical U.S. levels. The typical home is worth about $161,800 (2.4× income, relatively affordable). Vacancy runs 16.9%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 11.3%. Rent burden reaches 34% of tenant households. 73% of housing is owner-occupied. The demographic-stress sub-score lands at 27/100. About 5,139 people live here, median age 42. Around 25% of adults hold a bachelor's degree or higher.

Net-net, 13778 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.