ZIP 54028 Property Distress & Foreclosure Data

DLRadar grades ZIP 54028 (St. Croix County, Wisconsin) at a low 15/100 for overall property distress. Property-level stress concentrates in construction/permit lag (41/100), structural risk (32/100), institutional ownership (3/100). On the quiet end sit institutional ownership (3/100) and mortgage stress (2/100). Environmental exposure also runs high (climate & FEMA risk (71/100)). The latent-versus-live split is 32/100 structural and 1/100 already moving.

The peak-phase market in 54028 posted values that rose 2.9% over the year, and 19% higher over three years (phase confidence 23/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 3.1%. The demographic-stress sub-score lands at 25/100. The poverty rate is 7.7%. Population is roughly 2,666 with a median age of 38. Around 14% of renters are cost-burdened. Around 21% of adults hold a bachelor's degree or higher. At $83,667, median income runs near typical U.S. levels. 70% of housing is owner-occupied. The typical home is worth about $269,300 (3.0× income, relatively affordable). The ZIP holds roughly 1,016 housing units.

Broadly, 54028 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.