ZIP 13849 Property Distress & Foreclosure Data

Otsego County, New York's ZIP 13849 registers 23/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (77/100). The latent-versus-live split is 49/100 structural and 5/100 already moving. The most distinctive pressure shows up in construction/permit lag (49/100), structural risk (49/100), institutional ownership (27/100). institutional ownership (27/100) and mortgage stress (15/100) stay muted.

Prices here sit in a expansion phase: values rose 6.4% over the trailing year (phase confidence 39/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The vacancy rate is 23.3% — elevated. Roughly 13.1% live below the poverty line. Around 31% of renters are cost-burdened. About 23% have a four-year degree. A median home runs $137,400 here, or 2.2 times local income. The tenure split is 81% owner-occupied to 19% rented. Households earn a median $55,884 — below the roughly $78,000 national figure. 4,351 residents call 13849 home, typically aged 50. On demographic stress specifically, 13849 scores 26/100. The ZIP holds roughly 2,374 housing units.

Taken together, 13849 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.