ZIP 54020 Property Distress & Foreclosure Data

Polk County, Wisconsin's ZIP 54020 registers 21/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (64/100), flood (NFIP) exposure (63/100). The latent-versus-live split is 48/100 structural and 3/100 already moving. The most distinctive pressure shows up in construction/permit lag (65/100), structural risk (48/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (9/100) stay muted.

Prices here sit in a expansion phase: values rose 6.7% over the trailing year, and 17% higher over three years (phase confidence 35/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Around 34% of renters are cost-burdened. 8.1% of residents fall below the poverty threshold. Median household income is $79,833, near the U.S. median near $78,000. 7,729 residents call 54020 home, typically aged 43. Educational attainment sits at 29% bachelor's-or-above. Home values center near $306,500, an affordability ratio of 3.3× — accessible. DLRadar's demographic-stress index for the area reads 27/100. Owners hold 77% of homes, renters 23%. The ZIP holds roughly 3,588 housing units. The vacancy rate is 6.8%.

On balance, 54020 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.