ZIP 13811 Property Distress & Foreclosure Data

Composite property distress in 13811 (Tioga County, New York) lands at 20/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: flood (NFIP) exposure (73/100), climate & FEMA risk (62/100). The sharpest non-environmental signals are construction/permit lag (52/100), structural risk (47/100), institutional ownership (20/100). By contrast, institutional ownership (20/100) and mortgage stress (9/100) register low. Structural risk reads 47/100 against active distress of 3/100.

The market reads expansion — home values rose 9.8% year on year, and 26% higher over three years, at 76/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

86% of housing is owner-occupied. The typical home is worth about $131,500 (1.6× income, relatively affordable). Rent burden reaches 34% of tenant households. The poverty rate is 9.5%. About 4,102 people live here, median age 46. The demographic-stress sub-score lands at 22/100. Vacancy runs 7.4%. Around 28% of adults hold a bachelor's degree or higher. There are about 1,777 housing units across 13811. At $80,900, median income runs near typical U.S. levels.

Overall 13811 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.