ZIP 10509 Property Distress & Foreclosure Data

Putnam County, New York's ZIP 10509 registers 23/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (flood (NFIP) exposure (79/100)). The latent-versus-live split is 55/100 structural and 2/100 already moving. The most distinctive pressure shows up in construction/permit lag (99/100), structural risk (55/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (8/100).

The expansion-phase market in 10509 posted values that rose 6.3% over the year, and 19% higher over three years (phase confidence 39/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $120,987, above the U.S. median near $78,000. The vacancy rate is 6.5%. 7.5% of residents fall below the poverty threshold. Population is roughly 20,055 with a median age of 43. Educational attainment sits at 43% bachelor's-or-above. The ZIP holds roughly 7,936 housing units. Around 49% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 29/100. Home values center near $458,300, an affordability ratio of 3.6× — accessible. Owners hold 78% of homes, renters 22%.

Broadly, 10509 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.