ZIP 13812 Property Distress & Foreclosure Data

Tioga County, New York's ZIP 13812 registers 19/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (44/100), structural risk (43/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (8/100). The latent-versus-live split is 43/100 structural and 2/100 already moving. Environmental exposure also runs high (flood (NFIP) exposure (73/100), climate & FEMA risk (60/100)).

The expansion-phase market in 13812 posted values that rose 9.8% over the year (phase confidence 76/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $74,450, near the U.S. median near $78,000. The ZIP holds roughly 1,010 housing units. Educational attainment sits at 18% bachelor's-or-above. Around 18% of renters are cost-burdened. Home values center near $143,800, an affordability ratio of 1.8× — accessible. DLRadar's demographic-stress index for the area reads 20/100. 3.1% of residents fall below the poverty threshold. Owners hold 81% of homes, renters 19%. The vacancy rate is 8.5%. Population is roughly 2,313 with a median age of 42.

On balance 13812 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.