ZIP 14228 Property Distress & Foreclosure Data

In Erie County, New York, ZIP 14228 scores 27 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (65/100). On the structural side it scores 60/100, with 2/100 of stress already active. Its standout signals are construction/permit lag (71/100), structural risk (60/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low.

The market reads expansion — home values rose 5.7% year on year, and 20% higher over three years (phase confidence 42/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

On demographic stress specifically, 14228 scores 30/100. The vacancy rate is 4.5%. Roughly 16.0% live below the poverty line. Around 43% of renters are cost-burdened. Households earn a median $72,426 — near the roughly $78,000 national figure. About 49% have a four-year degree. About 24,345 people live here, median age 34. A median home runs $274,600 here, or 3.4 times local income. The ZIP holds roughly 10,992 housing units. The tenure split is 54% owner-occupied to 46% rented.

Net-net, 14228 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.