ZIP 61016 Foreclosure, Tax-Lien & Distress Report

Winnebago County, Illinois's ZIP 61016 registers 22/100 composite distress, which DLRadar reads as low. On the structural side it scores 47/100, with 4/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (79/100)). Leading the profile are structural risk (47/100), institutional ownership (29/100), construction/permit lag (27/100). construction/permit lag (27/100) and mortgage stress (13/100) stay muted.

Prices here sit in a expansion phase: values rose 8.1% over the trailing year, and 17% higher over three years, at 44/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $231,200 (2.4× income, relatively affordable). There are about 2,325 housing units across 61016. The vacancy rate is 4.2%. DLRadar's demographic-stress index for the area reads 20/100. Households earn a median $92,865 — above the roughly $78,000 national figure. Around 14% of renters are cost-burdened. 5,166 residents call 61016 home, typically aged 47. The poverty rate is 5.3% — low. The tenure split is 90% owner-occupied to 10% rented. Around 29% of adults hold a bachelor's degree or higher.

Broadly, 61016 is a steadier market — the deals are the exceptions, not the rule. While 61016 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 61016 read uses the identical public-record model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 61016 stays directly comparable to neighboring ZIPs and the rest of Winnebago County, Illinois. Where the public record is thin for 61016, the field stays empty rather than modeled, and fills in as new documents post.

61016's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 61016 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.