ZIP 61039 Property Distress & Foreclosure Data

DLRadar grades ZIP 61039 (Stephenson County, Illinois) at a low 22/100 for overall property distress. Property-level stress concentrates in construction/permit lag (69/100), structural risk (51/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (73/100), flood (NFIP) exposure (61/100)). The latent-versus-live split is 51/100 structural and 2/100 already moving.

The expansion-phase market in 61039 posted values that rose 6.4% over the year, and 25% higher over three years (phase confidence 36/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The vacancy rate is 6.6%. The poverty rate is 8.7%. The typical home is worth about $181,300 (1.6× income, relatively affordable). Around 26% of renters are cost-burdened. Around 39% of adults hold a bachelor's degree or higher. 75% of housing is owner-occupied. The demographic-stress sub-score lands at 21/100. Population is roughly 812 with a median age of 37. At $90,000, median income runs above typical U.S. levels. The ZIP holds roughly 354 housing units.

Broadly, 61039 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.