ZIP 02540 Property Distress & Foreclosure Data

ZIP code 02540 in Barnstable County, Massachusetts carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (78/100), structural risk (63/100), institutional ownership (20/100). By contrast, institutional ownership (20/100) and mortgage stress (14/100) register low. The latent-versus-live split is 63/100 structural and 4/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (89/100), flood (NFIP) exposure (88/100).

The market reads peak — home values rose 2.3% year on year, and 4% higher over three years (phase confidence 35/100). Topping markets hide individual distress behind strong averages.

At $88,266, median income runs above typical U.S. levels. The poverty rate is 16.2%. The typical home is worth about $844,500 (8.6× income, severely stretched). Around 49% of renters are cost-burdened. The vacancy rate is 33.7% — elevated. The demographic-stress sub-score lands at 47/100. Around 59% of adults hold a bachelor's degree or higher. The ZIP holds roughly 6,300 housing units. 66% of housing is owner-occupied. About 8,354 people live here, median age 62.

Net-net, 02540 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.