ZIP 10538 Property Distress & Foreclosure Data

In Westchester County, New York, ZIP 10538 scores 32 of 100 for composite distress, a moderate level on DLRadar's public-record index. 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. Its standout signals are structural risk (71/100), institutional ownership (54/100), construction/permit lag (45/100). By contrast, mortgage stress (20/100) register low.

The market reads expansion — home values rose 6.3% year on year, and 28% higher over three years (phase confidence 39/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 7,070 housing units. The poverty rate is 2.6% — low. The typical home is worth about $1,266,600 (6.3× income). The vacancy rate is 4.3%. Around 40% of renters are cost-burdened. Around 82% of adults hold a bachelor's degree or higher. 78% of housing is owner-occupied. The demographic-stress sub-score lands at 31/100. At $186,555, median income runs above typical U.S. levels. About 17,709 people live here, median age 42.

Net-net, 10538 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.