ZIP 01103 Foreclosure, Tax-Lien & Distress Report

ZIP code 01103 in Hampden County, Massachusetts carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic distress index. The sharpest non-environmental signals are structural risk (45/100), construction/permit lag (28/100), institutional ownership (13/100). institutional ownership (13/100) and mortgage stress (3/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (92/100). The split runs 45/100 structural to 1/100 active on the ground.

The market reads peak — home values rose 4.4% year on year, at 26/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 10.3%. Roughly 44.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. At $21,458, median income runs below typical U.S. levels. Around 36% of adults hold a bachelor's degree or higher. On demographic stress specifically, 01103 scores 52/100. 8% of housing is owner-occupied. Around 38% of renters are cost-burdened. 2,336 residents call 01103 home, typically aged 36. There are about 1,765 housing units across 01103. Home values center near $185,700, an affordability ratio of 6.9×.

On the whole, 01103 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 01103 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 01103 runs through one identical scoring model, so its 21/100 sits on the same scale as every other ZIP in Hampden County, Massachusetts and the nation. Where the record is thin for 01103, the field stays empty rather than modeled, and fills in as new documents post.

01103'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. In workflow terms, 01103 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.