ZIP 54138 Property Distress & Foreclosure Data

Oconto County, Wisconsin's ZIP 54138 registers 11/100 composite distress, which DLRadar reads as minimal. The most distinctive pressure shows up in structural risk (23/100), construction/permit lag (14/100), mortgage stress (7/100). By contrast, mortgage stress (7/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (63/100). The latent-versus-live split is 23/100 structural and 2/100 already moving.

The market reads expansion — home values rose 6.2% year on year, and 41% higher over three years (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $64,924 — below the roughly $78,000 national figure. Roughly 13.7% live below the poverty line. Around 60% of renters are cost-burdened. About 860 people live here, median age 58. About 22% have a four-year degree. The vacancy rate is 69.5% — elevated. A median home runs $234,200 here, or 3.2 times local income. On demographic stress specifically, 54138 scores 37/100. The tenure split is 93% owner-occupied to 7% rented. The ZIP holds roughly 1,309 housing units.

Net-net, 54138 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.