ZIP 01040 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 01040 (Hampden County, Massachusetts) lands at 21/100 — low on DLRadar's distress scoring. What sets it apart are the readings on structural risk (45/100), construction/permit lag (28/100), institutional ownership (13/100). On the quiet end sit institutional ownership (13/100) and mortgage stress (3/100). The split runs 45/100 structural to 1/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (92/100).

The peak-phase market in 01040 posted values that rose 4.4% over the year, and 16% higher over three years (phase confidence 26/100). Topping markets hide individual distress behind strong averages.

At $51,892, median income runs below typical U.S. levels. The poverty rate is 23.7% — high, a tax-stress and distress correlate. The typical home is worth about $274,100 (4.9× income). Around 40% of renters are cost-burdened. The vacancy rate is 9.0%. There are about 17,057 housing units across 01040. The tenure split is 42% owner-occupied to 58% rented. DLRadar's demographic-stress index for the area reads 40/100. Educational attainment sits at 24% bachelor's-or-above. 37,949 residents call 01040 home, typically aged 39.

On the whole, 01040 leans distressed, with opportunity clustered in specific stressed parcels. 01040 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 01040's 21/100 can be lined up against any neighbor in Hampden County, Massachusetts or any ZIP coast to coast. Where the record is thin for 01040, the field stays empty rather than modeled, and fills in as new documents post.

01040's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 01040 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.