ZIP 14304 Property Distress & Foreclosure Data

In Niagara County, New York, ZIP 14304 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (climate & FEMA risk (84/100), flood (NFIP) exposure (68/100)). Its standout signals are structural risk (42/100), institutional ownership (16/100), construction/permit lag (15/100). On the quiet end sit construction/permit lag (15/100) and mortgage stress (7/100). Structural exposure scores 42 and live distress 2 on the 0–100 scale.

The expansion-phase market in 14304 posted values that rose 5.7% over the year, and 22% higher over three years, at 42/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Population is roughly 28,965 with a median age of 43. 73% of housing is owner-occupied. Vacancy runs 5.8%. There are about 13,855 housing units across 14304. The poverty rate is 12.4%. At $64,756, median income runs below typical U.S. levels. The typical home is worth about $164,000 (2.3× income, relatively affordable). The demographic-stress sub-score lands at 26/100. Around 25% of adults hold a bachelor's degree or higher. Rent burden reaches 35% of tenant households.

On balance 14304 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.