ZIP 61039 Foreclosure, Tax-Lien & Distress Report
Stephenson County, Illinois · Affordable market
Scored on a fixed 0-100 scale, 61039 (Stephenson County, Illinois) returns a low composite of 24/100. Its standout signals are construction/permit lag (83/100), structural risk (54/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (7/100) register low. Environmental exposure also runs high (climate & FEMA risk (73/100), flood (NFIP) exposure (60/100)). On the structural side it scores 54/100, with 2/100 of stress already active.
Prices here sit in a expansion phase: values rose 5.7% over the trailing year, and 25% higher over three years (phase confidence 33/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.
Vacancy runs 6.6%. The poverty rate is 8.7%. A median home runs $181,300 here, or 1.6 times local income. Rent burden reaches 26% of tenant households. Around 39% of adults hold a bachelor's degree or higher. Owners hold 75% of homes, renters 25%. The demographic-stress sub-score lands at 21/100. 812 residents call 61039 home, typically aged 37. Households earn a median $90,000 — above the roughly $78,000 national figure. The ZIP holds roughly 354 housing units.
On balance, 61039 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. While 61039 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Big metro or rural, 61039 runs through one identical scoring model, so its 24/100 sits on the same scale as every other ZIP in Stephenson County, Illinois and the nation. Every figure is auditable to a public dataset and refreshed as records update; 61039 shows blanks, not estimates, wherever the record is sparse.
The 24/100 figure for 61039 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Treat 61039 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
ZIP 61039 distress signals, scored
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 61039 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 61039, the same set carried on every parcel.
Nearby ZIPs in Stephenson County
Nearest ZIP codes to 61039
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Illinois distress
Other reports tied to Stephenson County, Illinois — ZIP, county and statewide.
See every distressed parcel in 61039
Every distressed parcel in 61039 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Deterministic scoring, sourced entirely from public data · methodology