ZIP 01020 Foreclosure, Tax-Lien & Distress Report

ZIP code 01020 in Hampden County, Massachusetts carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (92/100). Structurally it carries 40/100, against 1/100 of stress already in motion. Property-level stress concentrates in structural risk (40/100), construction/permit lag (32/100), institutional ownership (6/100). institutional ownership (6/100) and mortgage stress (3/100) stay muted.

Prices here sit in a peak phase: values rose 4.4% over the trailing year, and 19% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $70,971 — near the roughly $78,000 national figure. The demographic-stress sub-score lands at 32/100. Roughly 14.0% live below the poverty line. 60% of housing is owner-occupied. The vacancy rate is 4.1%. Around 23% of adults hold a bachelor's degree or higher. Rent burden reaches 40% of tenant households. The typical home is worth about $280,900 (3.6× income, relatively affordable). Population is roughly 30,230 with a median age of 44. There are about 14,319 housing units across 01020.

On balance 01020 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.

Because one deterministic model scores every ZIP, 01020's 19/100 can be lined up against any neighbor in Hampden County, Massachusetts or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 01020, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 01020's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 01020 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.