ZIP 13856 Property Distress & Foreclosure Data

DLRadar grades ZIP 13856 (Delaware County, New York) at a low 29/100 for overall property distress. Property-level stress concentrates in structural risk (63/100), institutional ownership (57/100), construction/permit lag (35/100). By contrast, construction/permit lag (35/100) and mortgage stress (27/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (80/100), flood (NFIP) exposure (78/100), FEMA disaster exposure (73/100). The latent-versus-live split is 63/100 structural and 8/100 already moving.

The market reads expansion — home values rose 6.5% year on year, and 72% higher over three years (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 30% of renters are cost-burdened. The poverty rate is 24.9% — high, a tax-stress and distress correlate. Around 25% of adults hold a bachelor's degree or higher. The vacancy rate is 24.8% — elevated. At $48,852, median income runs below typical U.S. levels. The typical home is worth about $156,500 (3.0× income, relatively affordable). About 5,915 people live here, median age 50. The demographic-stress sub-score lands at 31/100. 74% of housing is owner-occupied. The ZIP holds roughly 3,595 housing units.

Net-net, 13856 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.