ZIP 60631 Foreclosure, Tax-Lien & Distress Report

ZIP code 60631 in Cook County, Illinois carries a composite property-distress score of 35/100 — a moderate reading on DLRadar's deterministic public-record index. On the structural side it scores 79/100, with 6/100 of stress already active. What sets it apart are the readings on construction/permit lag (88/100), structural risk (79/100), institutional ownership (46/100). On the quiet end sit mortgage stress (20/100). Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (82/100).

The expansion-phase market in 60631 posted values that rose 5.7% over the year, and 15% higher over three years (phase confidence 33/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

About 30,308 people live here, median age 43. The ZIP holds roughly 12,835 housing units. Around 38% of renters are cost-burdened. Vacancy runs 4.8%. Educational attainment sits at 50% bachelor's-or-above. Median household income is $117,688, above the U.S. median near $78,000. Owners hold 74% of homes, renters 26%. On demographic stress specifically, 60631 scores 27/100. The typical home is worth about $436,400 (3.7× income, relatively affordable). Roughly 6.2% live below the poverty line, a low share typical of higher-equity areas.

Net-net, 60631 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 60631 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 60631 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 35/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 60631 shows blanks, not estimates, wherever the record is sparse.

The 35/100 figure for 60631 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 60631 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.