ZIP 14086 Property Distress & Foreclosure Data

Composite property distress in 14086 (Erie County, New York) lands at 27/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (65/100). The latent-versus-live split is 60/100 structural and 2/100 already moving. The sharpest non-environmental signals are construction/permit lag (71/100), structural risk (60/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (7/100) stay muted.

Prices here sit in a expansion phase: values rose 5.7% over the trailing year, and 23% higher over three years (phase confidence 42/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Home values center near $294,300, an affordability ratio of 2.8× — accessible. The ZIP holds roughly 15,544 housing units. Median household income is $95,949, above the U.S. median near $78,000. Educational attainment sits at 39% bachelor's-or-above. 3.5% of residents fall below the poverty threshold. Owners hold 84% of homes, renters 16%. DLRadar's demographic-stress index for the area reads 23/100. 35,659 residents call 14086 home, typically aged 46. Around 36% of renters are cost-burdened. The vacancy rate is 2.3%.

Overall, 14086 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.