ZIP 61048 Property Distress & Foreclosure Data

DLRadar grades ZIP 61048 (Stephenson County, Illinois) at a minimal 14/100 for overall property distress. Property-level stress concentrates in structural risk (31/100), institutional ownership (12/100), mortgage stress (6/100). On the quiet end sit institutional ownership (12/100) and mortgage stress (6/100). Environmental exposure also runs high (climate & FEMA risk (71/100)). On the structural side it scores 31/100, with 2/100 of stress already active.

The expansion-phase market in 61048 posted values that rose 6.5% over the year, and 2% higher over three years (phase confidence 36/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

85% of housing is owner-occupied. Population is roughly 3,848 with a median age of 48. At $87,604, median income runs above typical U.S. levels. Around 28% of adults hold a bachelor's degree or higher. The poverty rate is 2.6% — low. The ZIP holds roughly 1,768 housing units. Around 21% of renters are cost-burdened. The demographic-stress sub-score lands at 19/100. The typical home is worth about $166,600 (1.9× income, relatively affordable). The vacancy rate is 5.3%.

Broadly, 61048 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.