ZIP 61032 Property Distress & Foreclosure Data

ZIP code 61032 in Stephenson County, Illinois carries a composite property-distress score of 15/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (73/100). What sets it apart are the readings on structural risk (33/100), institutional ownership (13/100), mortgage stress (6/100). By contrast, institutional ownership (13/100) and mortgage stress (6/100) register low. Structural exposure scores 33 and live distress 2 on the 0–100 scale.

The market reads expansion — home values rose 6.4% year on year, and 37% higher over three years, at 36/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 29,072 people live here, median age 46. A median home runs $112,300 here, or 2.0 times local income. The tenure split is 65% owner-occupied to 35% rented. About 20% have a four-year degree. Vacancy runs 8.7%. There are about 14,720 housing units across 61032. Roughly 16.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 61032 scores 27/100. Households earn a median $54,179 — below the roughly $78,000 national figure. Rent burden reaches 34% of tenant households.

Net-net, 61032 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.