ZIP 10038 Foreclosure, Tax-Lien & Distress Report
New York County, New York · High Vacancy market
In New York County, New York, ZIP 10038 scores 21 of 100 for composite distress, a low level on DLRadar's distress index. Structural exposure scores 46 and live distress 3 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (83/100). The pressure is most legible in structural risk (46/100), institutional ownership (19/100), mortgage stress (9/100). By contrast, institutional ownership (19/100) and mortgage stress (9/100) register low.
Prices here sit in a peak phase: values rose 4.9% over the trailing year, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.
The ZIP holds roughly 12,256 housing units. Home values center near $921,900, an affordability ratio of 7.5× — stretched. Vacancy runs 15.3%, above the national norm and a classic distress-and-opportunity signal. 28% of housing is owner-occupied. The poverty rate is 18.0% — high, a tax-stress and distress correlate. Median household income is $115,121, above the U.S. median near $78,000. Around 34% of renters are cost-burdened. Around 62% of adults hold a bachelor's degree or higher. Population is roughly 23,342 with a median age of 34. On demographic stress specifically, 10038 scores 44/100.
On the whole, 10038 leans distressed, with opportunity clustered in specific stressed parcels. 10038 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
Big metro or rural, 10038 runs through one identical scoring model, so its 21/100 sits on the same scale as every other ZIP in New York County, New York and the nation. 10038 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 21/100 figure for 10038 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 10038 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.
Signal-by-signal read on 10038
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 10038 Stress Report snapshot
The live 10038 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
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Nearest ZIP codes to 10038
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across New York County, New York
Additional distress intelligence spanning New York County, New York by ZIP, county and state.
See every distressed parcel in 10038
See who owns each distressed property in 10038, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Each signal above is traceable to an open dataset · methodology