ZIP 54644 Property Distress & Foreclosure Data

In La Crosse County, Wisconsin, ZIP 54644 scores 16 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (80/100), flood (NFIP) exposure (61/100). The latent-versus-live split is 36/100 structural and 2/100 already moving. Its standout signals are structural risk (36/100), institutional ownership (14/100), mortgage stress (6/100). institutional ownership (14/100) and mortgage stress (6/100) stay muted.

Prices here sit in a expansion phase: values rose 6.4% over the trailing year, and 12% higher over three years (phase confidence 47/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The ZIP holds roughly 489 housing units. Home values center near $256,500, an affordability ratio of 3.3× — accessible. The vacancy rate is 5.0%. Around 29% of renters are cost-burdened. Median household income is $79,250, near the U.S. median near $78,000. 1,297 residents call 54644 home, typically aged 47. 8.3% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 26/100. Educational attainment sits at 19% bachelor's-or-above. Owners hold 98% of homes, renters 2%.

On balance, 54644 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.