ZIP 01238 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 01238 (Berkshire County, Massachusetts) returns a low composite of 19/100. Structural exposure scores 40 and live distress 2 on the 0–100 scale. Its standout signals are construction/permit lag (47/100), structural risk (40/100), mortgage stress (5/100). On the quiet end sit mortgage stress (5/100) and institutional ownership (5/100). It additionally carries heavy environmental risk: climate & FEMA risk (84/100).

The market reads expansion — home values rose 6.8% year on year, and 33% higher over three years, at 57/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

A median home runs $355,700 here, or 4.5 times local income. Owners hold 79% of homes, renters 21%. About 5,893 people live here, median age 53. Around 56% of renters are cost-burdened. Vacancy runs 11.7%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 3,264 housing units. At $74,469, median income runs near typical U.S. levels. On demographic stress specifically, 01238 scores 32/100. Roughly 6.6% live below the poverty line, a low share typical of higher-equity areas. Educational attainment sits at 46% bachelor's-or-above.

Overall, 01238 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 01238 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 19/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 01238 shows blanks, not estimates, wherever the record is sparse.

The 19/100 for 01238 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 01238 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.