ZIP 54538 Property Distress & Foreclosure Data

Composite property distress in 54538 (Vilas County, Wisconsin) lands at 16/100 — low on DLRadar's public-record scoring. The latent-versus-live split is 35/100 structural and 4/100 already moving. The sharpest non-environmental signals are construction/permit lag (73/100), structural risk (35/100), mortgage stress (12/100). On the quiet end sit mortgage stress (12/100) and institutional ownership (3/100).

The expansion-phase market in 54538 posted values that rose 6.7% over the year, and 37% higher over three years (phase confidence 35/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

72% of housing is owner-occupied. The ZIP holds roughly 2,792 housing units. The poverty rate is 26.4% — high, a tax-stress and distress correlate. Around 24% of renters are cost-burdened. The vacancy rate is 55.3% — elevated. Around 29% of adults hold a bachelor's degree or higher. At $49,915, median income runs below typical U.S. levels. Population is roughly 2,919 with a median age of 45. The demographic-stress sub-score lands at 41/100. The typical home is worth about $320,300 (5.4× income).

On the whole, 54538 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.