ZIP 13809 Property Distress & Foreclosure Data

ZIP code 13809 in Otsego County, New York carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (60/100), structural risk (51/100), institutional ownership (28/100). On the quiet end sit institutional ownership (28/100) and mortgage stress (14/100). The latent-versus-live split is 51/100 structural and 4/100 already moving. Environmental exposure also runs high (climate & FEMA risk (73/100)).

The expansion-phase market in 13809 posted values that rose 6.4% over the year (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $56,071, below the U.S. median near $78,000. Around 21% of renters are cost-burdened. The ZIP holds roughly 774 housing units. The vacancy rate is 20.5% — elevated. 11.5% of residents fall below the poverty threshold. Home values center near $206,900, an affordability ratio of 3.2× — accessible. Population is roughly 1,688 with a median age of 39. DLRadar's demographic-stress index for the area reads 28/100. Educational attainment sits at 15% bachelor's-or-above. Owners hold 81% of homes, renters 19%.

On the whole, 13809 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.