ZIP 54639 Property Distress & Foreclosure Data

ZIP code 54639 in Vernon County, Wisconsin carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (61/100), structural risk (37/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low. On the structural side it scores 37/100, with 1/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (71/100).

The market reads expansion — home values rose 6.4% year on year, and 15% higher over three years (phase confidence 48/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $57,446 — below the roughly $78,000 national figure. The tenure split is 77% owner-occupied to 23% rented. The vacancy rate is 14.7% — elevated. About 15% have a four-year degree. On demographic stress specifically, 54639 scores 30/100. About 2,640 people live here, median age 38. Around 25% of renters are cost-burdened. A median home runs $209,700 here, or 3.1 times local income. Roughly 21.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The ZIP holds roughly 1,155 housing units.

Net-net, 54639 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.