ZIP 60538 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 60538 (Kendall County, Illinois) returns a low composite of 17/100. It additionally carries heavy environmental risk: climate & FEMA risk (89/100). The sharpest non-environmental signals are construction/permit lag (38/100), structural risk (37/100), institutional ownership (3/100). By contrast, institutional ownership (3/100) and mortgage stress (2/100) register low. Latent structural risk is 37/100 while live distress already moving reads 1/100.

The expansion-phase market in 60538 posted values that rose 5.7% over the year, and 21% higher over three years, at 33/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

79% of housing is owner-occupied. Rent burden reaches 44% of tenant households. The vacancy rate is 5.5%. About 25% have a four-year degree. About 30,395 people live here, median age 36. The poverty rate is 8.2%. Home values center near $267,300, an affordability ratio of 2.8× — accessible. Median household income is $92,064, above the U.S. median near $78,000. The ZIP holds roughly 10,708 housing units. On demographic stress specifically, 60538 scores 28/100.

Broadly, 60538 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 60538 read uses the identical public-record model applied coast to coast, which means its 17/100 score means exactly what it means anywhere else, and 60538 stays directly comparable to neighboring ZIPs and the rest of Kendall County, Illinois. Where the public record is thin for 60538, the field stays empty rather than modeled, and fills in as new documents post.

60538'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, 60538 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.