ZIP 61028 Foreclosure, Tax-Lien & Distress Report

ZIP 61028's composite property-distress score is 17/100 - DLRadar classes that as low for Jo Daviess County, Illinois. Structural risk reads 38/100 against active distress of 2/100. Property-level stress concentrates in construction/permit lag (86/100), structural risk (38/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100).

The expansion-phase market in 61028 posted values that rose 5.3% over the year, and 70% higher over three years (phase confidence 34/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Around 45% of renters are cost-burdened. The vacancy rate is 19.6% — elevated. Median household income is $86,328, near the U.S. median near $78,000. About 30% have a four-year degree. A median home runs $174,400 here, or 2.1 times local income. There are about 1,045 housing units across 61028. 7.2% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 25/100. The tenure split is 82% owner-occupied to 18% rented. About 1,671 people live here, median age 51.

On the whole, 61028 leans distressed, with opportunity clustered in specific stressed parcels. While 61028 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 61028 runs through one identical public-record model, so its 17/100 sits on the same scale as every other ZIP in Jo Daviess County, Illinois and the nation. The score is rebuilt from public data as it updates, so 61028 reflects the current record instead of a stale or modeled snapshot.

61028'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 a buyer, 61028 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.