ZIP 61028 Property Distress & Foreclosure Data

ZIP code 61028 in Jo Daviess County, Illinois carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. The latent-versus-live split is 35/100 structural and 2/100 already moving. What sets it apart are the readings on construction/permit lag (76/100), structural risk (35/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted.

Prices here sit in a expansion phase: values rose 7.4% over the trailing year, and 70% higher over three years (phase confidence 38/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

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. Educational attainment sits at 30% bachelor's-or-above. Home values center near $174,400, an affordability ratio of 2.1× — accessible. The ZIP holds roughly 1,045 housing units. 7.2% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 25/100. Owners hold 82% of homes, renters 18%. 1,671 residents call 61028 home, typically aged 51.

Taken together, 61028 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.