ZIP 10605 Foreclosure, Tax-Lien & Distress Report

ZIP code 10605 in Westchester County, New York carries a composite property-distress score of 29/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (89/100), FEMA disaster exposure (71/100)). Its heaviest discrete signals: structural risk (63/100), institutional ownership (49/100), mortgage stress (20/100). On the quiet end sit mortgage stress (20/100) and construction/permit lag (16/100). Latent structural risk is 63/100 while live distress already moving reads 6/100.

Prices here sit in a peak phase: values rose 4.9% over the trailing year, and 25% higher over three years, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.

The vacancy rate is 7.1%. On demographic stress specifically, 10605 scores 30/100. About 19,371 people live here, median age 47. Educational attainment sits at 66% bachelor's-or-above. 74% of housing is owner-occupied. Median household income is $145,587, above the U.S. median near $78,000. The typical home is worth about $787,500 (5.2× income). Around 39% of renters are cost-burdened. There are about 8,775 housing units across 10605. 6.3% of residents fall below the poverty threshold.

Net-net, 10605 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 10605 at the moment; the composite and its components are still built from verifiable public records.

Whether 10605 runs hot or quiet, its 29/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 10605 can be compared directly against any other ZIP in Westchester County, New York or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 10605 shows blanks, not estimates, wherever the record is sparse.

10605's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 10605 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.