ZIP 14138 Property Distress & Foreclosure Data

In Cattaraugus County, New York, ZIP 14138 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (60/100), structural risk (47/100), institutional ownership (10/100). By contrast, institutional ownership (10/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (80/100). The latent-versus-live split is 47/100 structural and 2/100 already moving.

The market reads expansion — home values rose 6.3% year on year (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $57,239 — below the roughly $78,000 national figure. Roughly 26.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The tenure split is 71% owner-occupied to 29% rented. About 20% have a four-year degree. The vacancy rate is 16.0% — elevated. A median home runs $111,700 here, or 2.0 times local income. Around 41% of renters are cost-burdened. The ZIP holds roughly 977 housing units. On demographic stress specifically, 14138 scores 31/100. About 2,019 people live here, median age 42.

Net-net, 14138 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.