ZIP 10523 Property Distress & Foreclosure Data

ZIP code 10523 in Westchester County, New York carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (71/100), institutional ownership (54/100), construction/permit lag (45/100). By contrast, mortgage stress (20/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (89/100), FEMA disaster exposure (64/100). The latent-versus-live split is 71/100 structural and 6/100 already moving.

The market reads expansion — home values rose 6.3% year on year, and 18% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $115,809, median income runs above typical U.S. levels. The vacancy rate is 10.9%. The demographic-stress sub-score lands at 34/100. About 9,773 people live here, median age 35. Around 49% of renters are cost-burdened. The typical home is worth about $588,100 (4.5× income). The poverty rate is 7.1% — low. 54% of housing is owner-occupied. Around 51% of adults hold a bachelor's degree or higher. The ZIP holds roughly 3,606 housing units.

Net-net, 10523 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.