ZIP 13815 Property Distress & Foreclosure Data

DLRadar grades ZIP 13815 (Chenango County, New York) at a moderate 30/100 for overall property distress. Environmental exposure also runs high (flood (NFIP) exposure (76/100), FEMA disaster exposure (73/100), climate & FEMA risk (71/100)). Property-level stress concentrates in structural risk (68/100), construction/permit lag (65/100), institutional ownership (56/100). On the quiet end sit mortgage stress (23/100). Structural risk reads 68/100 against active distress of 7/100.

The expansion-phase market in 13815 posted values that rose 6.5% over the year, and 18% higher over three years, at 38/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Vacancy runs 13.8%, above the national norm and a classic distress-and-opportunity signal. Median household income is $59,757, below the U.S. median near $78,000. Population is roughly 12,855 with a median age of 44. Educational attainment sits at 24% bachelor's-or-above. Owners hold 66% of homes, renters 35%. There are about 6,399 housing units across 13815. Home values center near $133,900, an affordability ratio of 2.1× — accessible. 13.3% of residents fall below the poverty threshold. Rent burden reaches 33% of tenant households. DLRadar's demographic-stress index for the area reads 27/100.

On the whole, 13815 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.