ZIP 14221 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 14221 (Erie County, New York) at a low 23/100 for overall property distress. Structurally it carries 51/100, against 2/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (79/100). Property-level stress concentrates in structural risk (51/100), construction/permit lag (26/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (7/100) register low.

Prices here sit in a peak phase: values rose 4.1% over the trailing year, and 19% higher over three years (phase confidence 34/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 4.3%. On demographic stress specifically, 14221 scores 25/100. 55,153 residents call 14221 home, typically aged 47. The tenure split is 74% owner-occupied to 26% rented. The poverty rate is 6.8% — low. Rent burden reaches 49% of tenant households. Home values center near $329,600, an affordability ratio of 3.0× — accessible. Around 57% of adults hold a bachelor's degree or higher. The ZIP holds roughly 25,661 housing units. Median household income is $101,275, above the U.S. median near $78,000.

Broadly, 14221 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 14221 runs through one identical scoring model, so its 23/100 sits on the same scale as every other ZIP in Erie County, New York and the nation. Nothing here is interpolated — where a source is thin for 14221, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

14221's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 14221 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.