ZIP 13905 Foreclosure, Tax-Lien & Distress Report

Broome County, New York's ZIP 13905 registers 31/100 composite distress, which DLRadar reads as moderate. On the structural side it scores 69/100, with 6/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (87/100), FEMA disaster exposure (84/100), flood (NFIP) exposure (66/100). What sets it apart are the readings on structural risk (69/100), construction/permit lag (55/100), institutional ownership (52/100). mortgage stress (21/100) stay muted.

The peak-phase market in 13905 posted values that rose 1.8% over the year, 1.8% off the recent peak, and 32% higher over three years, at 46/100 phase confidence. Topping markets hide individual distress behind strong averages.

A median home runs $151,500 here, or 2.6 times local income. Vacancy runs 16.0%, above the national norm and a classic distress-and-opportunity signal. There are about 14,103 housing units across 13905. Median household income is $53,757, below the U.S. median near $78,000. On demographic stress specifically, 13905 scores 34/100. About 37% have a four-year degree. 49% of housing is owner-occupied. Rent burden reaches 44% of tenant households. About 28,370 people live here, median age 32. 31.0% of residents fall below the poverty threshold.

Taken together, 13905 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.

Big metro or rural, 13905 runs through one identical public-record model, so its 31/100 sits on the same scale as every other ZIP in Broome County, New York and the nation. The score is rebuilt from public data as it updates, so 13905 reflects the current record instead of a stale or modeled snapshot.

The 31/100 for 13905 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 13905 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.