ZIP 01095 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 01095 in Hampden County, Massachusetts comes in at 19, a low composite-distress reading. Its heaviest discrete signals: structural risk (40/100), construction/permit lag (32/100), institutional ownership (6/100). By contrast, institutional ownership (6/100) and mortgage stress (3/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (92/100). The latent-versus-live split is 40/100 structural and 1/100 already moving.

The market reads peak — home values rose 4.4% year on year, and 22% higher over three years, at 26/100 phase confidence. Topping markets hide individual distress behind strong averages.

Rent burden reaches 35% of tenant households. The poverty rate is 4.3% — low. 90% of housing is owner-occupied. About 53% have a four-year degree. Median household income is $124,682, above the U.S. median near $78,000. Home values center near $415,000, an affordability ratio of 3.1× — accessible. The ZIP holds roughly 5,654 housing units. The demographic-stress sub-score lands at 22/100. The vacancy rate is 5.3%. Population is roughly 14,615 with a median age of 44.

Overall 01095 looks resilient on the surface, so the edge is isolating individual stressed parcels. No parcel file is published for 01095 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 01095 runs through one identical public-record model, so its 19/100 sits on the same scale as every other ZIP in Hampden County, Massachusetts and the nation. Nothing here is interpolated — where a source is thin for 01095, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 19/100 for 01095 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 01095 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.