ZIP 01040 Property Distress & Foreclosure Data

Hampden County, Massachusetts's ZIP 01040 registers 21/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (59/100), structural risk (46/100), institutional ownership (5/100). By contrast, institutional ownership (5/100) and mortgage stress (3/100) register low. The latent-versus-live split is 46/100 structural and 1/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (92/100).

The market reads peak — home values rose 4.1% year on year, and 16% higher over three years (phase confidence 34/100). Topping markets hide individual distress behind strong averages.

Median household income is $51,892, below the U.S. median near $78,000. 23.7% of residents fall below the poverty threshold. Home values center near $274,100, an affordability ratio of 4.9×. Around 40% of renters are cost-burdened. The vacancy rate is 9.0%. The ZIP holds roughly 17,057 housing units. Owners hold 42% of homes, renters 58%. DLRadar's demographic-stress index for the area reads 40/100. Educational attainment sits at 24% bachelor's-or-above. About 37,949 people live here, median age 39.

Net-net, 01040 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.