ZIP 61041 Property Distress & Foreclosure Data

ZIP code 61041 in Jo Daviess County, Illinois carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (76/100), structural risk (35/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low. Structural risk reads 35/100 against active distress of 2/100.

The market reads expansion — home values rose 7.4% year on year, and 13% higher over three years, at 38/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 773 housing units across 61041. The tenure split is 71% owner-occupied to 29% rented. Vacancy runs 18.9%, above the national norm and a classic distress-and-opportunity signal. About 17% have a four-year degree. Households earn a median $44,464 — below the roughly $78,000 national figure. Rent burden reaches 61% of tenant households. About 1,428 people live here, median age 40. Roughly 22.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. A median home runs $114,900 here, or 2.5 times local income. On demographic stress specifically, 61041 scores 35/100.

Net-net, 61041 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.