ZIP 14845 Property Distress & Foreclosure Data

In Chemung County, New York, ZIP 14845 scores 13 of 100 for composite distress, a minimal level on DLRadar's public-record index. Its standout signals are construction/permit lag (34/100), structural risk (29/100), institutional ownership (5/100). institutional ownership (5/100) and mortgage stress (4/100) stay muted. Structural risk reads 29/100 against active distress of 1/100.

Prices here sit in a peak phase: values rose 1.8% over the trailing year, and 14% higher over three years, at 81/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $186,500, an affordability ratio of 2.4× — accessible. Owners hold 74% of homes, renters 26%. 20,552 residents call 14845 home, typically aged 45. Rent burden reaches 38% of tenant households. Median household income is $76,617, near the U.S. median near $78,000. 7.2% of residents fall below the poverty threshold. Vacancy runs 5.1%. There are about 9,551 housing units across 14845. Educational attainment sits at 35% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 24/100.

Overall, 14845 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.