ZIP 13838 Property Distress & Foreclosure Data

DLRadar grades ZIP 13838 (Delaware County, New York) at a low 28/100 for overall property distress. Property-level stress concentrates in structural risk (62/100), institutional ownership (54/100), construction/permit lag (36/100). By contrast, construction/permit lag (36/100) and mortgage stress (26/100) register low. The latent-versus-live split is 62/100 structural and 8/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (80/100), flood (NFIP) exposure (75/100), FEMA disaster exposure (70/100).

The market reads expansion — home values rose 6.5% year on year (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $51,287, median income runs below typical U.S. levels. The poverty rate is 21.7% — high, a tax-stress and distress correlate. The ZIP holds roughly 2,171 housing units. Around 25% of adults hold a bachelor's degree or higher. Around 44% of renters are cost-burdened. 50% of housing is owner-occupied. The vacancy rate is 19.8% — elevated. The demographic-stress sub-score lands at 33/100. The typical home is worth about $122,000 (2.3× income, relatively affordable). About 4,185 people live here, median age 34.

Net-net, 13838 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.