ZIP 01128 Foreclosure, Tax-Lien & Distress Report

In Hampden County, Massachusetts, ZIP 01128 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Latent structural risk is 40/100 while live distress already moving reads 1/100. The pressure is most legible in 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. It additionally carries heavy environmental risk: climate & FEMA risk (92/100).

The peak-phase market in 01128 posted values that rose 4.4% over the year, and 14% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $272,100, an affordability ratio of 2.7× — accessible. 95% of housing is owner-occupied. The vacancy rate is 0.0%. Roughly 8.3% live below the poverty line. There are about 1,022 housing units across 01128. Around 0% of renters are cost-burdened. 3,252 residents call 01128 home, typically aged 39. On demographic stress specifically, 01128 scores 17/100. Median household income is $92,125, above the U.S. median near $78,000. Around 39% of adults hold a bachelor's degree or higher.

Overall 01128 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 01128 read uses the identical public-record model applied coast to coast, which means its 19/100 score means exactly what it means anywhere else, and 01128 stays directly comparable to neighboring ZIPs and the rest of Hampden County, Massachusetts. The score is rebuilt from public data as it updates, so 01128 reflects the current record instead of a stale or modeled snapshot.

Behind 01128's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 01128 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.