ZIP 61020 Property Distress & Foreclosure Data

DLRadar grades ZIP 61020 (Ogle County, Illinois) at a low 25/100 for overall property distress. Property-level stress concentrates in construction/permit lag (75/100), structural risk (56/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (76/100), flood (NFIP) exposure (70/100). The latent-versus-live split is 56/100 structural and 2/100 already moving.

The market reads expansion — home values rose 6.4% year on year, and 34% higher over three years (phase confidence 37/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 1,090 housing units. The vacancy rate is 5.9%. Roughly 8.8% live below the poverty line. About 30% have a four-year degree. Around 5% of renters are cost-burdened. On demographic stress specifically, 61020 scores 19/100. The tenure split is 90% owner-occupied to 10% rented. About 3,197 people live here, median age 31. Households earn a median $96,058 — above the roughly $78,000 national figure. A median home runs $202,800 here, or 2.0 times local income.

Net-net, 61020 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.