ZIP 01109 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 01109 in Hampden County, Massachusetts comes in at 21, a low composite-distress reading. What sets it apart are the readings on structural risk (45/100), construction/permit lag (28/100), institutional ownership (13/100). institutional ownership (13/100) and mortgage stress (3/100) stay muted. Latent structural risk is 45/100 while live distress already moving reads 1/100. Climate and flood risk are elevated too — climate & FEMA risk (92/100).

The peak-phase market in 01109 posted values that rose 4.4% over the year, and 24% higher over three years, at 26/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The poverty rate is 24.3% — high, a tax-stress and distress correlate. DLRadar's demographic-stress index for the area reads 42/100. The ZIP holds roughly 10,755 housing units. Around 55% of renters are cost-burdened. About 17% have a four-year degree. 46% of housing is owner-occupied. A median home runs $219,900 here, or 4.3 times local income. The vacancy rate is 9.6%. Median household income is $46,821, below the U.S. median near $78,000. 31,418 residents call 01109 home, typically aged 29.

Taken together, 01109 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 01109 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. The score is rebuilt from public data as it updates, so 01109 reflects the current record instead of a stale or modeled snapshot.

01109'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. Practically, 01109 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.