ZIP 54639 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 54639 in Vernon County, Wisconsin comes in at 21, a low composite-distress reading. Property-level stress concentrates in construction/permit lag (48/100), structural risk (44/100), institutional ownership (27/100). institutional ownership (27/100) and mortgage stress (3/100) stay muted. The latent-versus-live split is 44/100 structural and 1/100 already moving. Environmental exposure also runs high (climate & FEMA risk (71/100)).

The peak-phase market in 54639 posted values that rose 5.0% over the year, and 15% higher over three years, at 31/100 phase confidence. Topping markets hide individual distress behind strong averages.

Median household income is $57,446, below the U.S. median near $78,000. Owners hold 77% of homes, renters 23%. Vacancy runs 14.7%, above the national norm and a classic distress-and-opportunity signal. About 15% have a four-year degree. On demographic stress specifically, 54639 scores 30/100. Population is roughly 2,640 with a median age of 38. Around 25% of renters are cost-burdened. The typical home is worth about $209,700 (3.1× income, relatively affordable). 21.7% of residents fall below the poverty threshold. There are about 1,155 housing units across 54639.

On the whole, 54639 leans distressed, with opportunity clustered in specific stressed parcels. While 54639 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 54639 read uses the identical scoring model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 54639 stays directly comparable to neighboring ZIPs and the rest of Vernon County, Wisconsin. Where the record is thin for 54639, the field stays empty rather than modeled, and fills in as new documents post.

54639'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. For an operator, 54639 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.