ZIP 14120 Property Distress & Foreclosure Data

DLRadar grades ZIP 14120 (Niagara County, New York) at a low 19/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (84/100), flood (NFIP) exposure (68/100). Property-level stress concentrates in structural risk (42/100), institutional ownership (16/100), construction/permit lag (15/100). By contrast, construction/permit lag (15/100) and mortgage stress (7/100) register low. Structural exposure scores 42 and live distress 2 on the 0–100 scale.

The market reads expansion — home values rose 5.7% year on year, and 26% higher over three years, at 42/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The tenure split is 72% owner-occupied to 28% rented. Roughly 10.1% live below the poverty line. About 44,379 people live here, median age 44. Households earn a median $76,608 — near the roughly $78,000 national figure. A median home runs $222,500 here, or 2.7 times local income. Vacancy runs 5.2%. There are about 20,488 housing units across 14120. On demographic stress specifically, 14120 scores 27/100. About 30% have a four-year degree. Rent burden reaches 39% of tenant households.

Net-net, 14120 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.