ZIP 61060 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 61060 (Stephenson County, Illinois) at a low 20/100 for overall property distress. Its heaviest discrete signals: construction/permit lag (50/100), structural risk (46/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (6/100) stay muted. On the structural side it scores 46/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (73/100).

Prices here sit in a expansion phase: values rose 5.7% over the trailing year, and 21% higher over three years, at 33/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Around 20% of adults hold a bachelor's degree or higher. Roughly 11.5% live below the poverty line. The ZIP holds roughly 735 housing units. The demographic-stress sub-score lands at 22/100. Households earn a median $73,688 — near the roughly $78,000 national figure. Population is roughly 1,467 with a median age of 41. Around 15% of renters are cost-burdened. 87% of housing is owner-occupied. Home values center near $161,000, an affordability ratio of 2.1× — accessible. The vacancy rate is 15.6% — elevated.

Taken together, 61060 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 61060 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 61060 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 61060, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 61060's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 61060 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.