ZIP 61089 Property Distress & Foreclosure Data

DLRadar grades ZIP 61089 (Stephenson County, Illinois) at a low 15/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (72/100). Property-level stress concentrates in structural risk (32/100), institutional ownership (13/100), mortgage stress (6/100). By contrast, institutional ownership (13/100) and mortgage stress (6/100) register low. Structural risk reads 32/100 against active distress of 2/100.

The market reads expansion — home values rose 6.4% year on year, at 36/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The tenure split is 71% owner-occupied to 29% rented. A median home runs $115,900 here, or 1.7 times local income. There are about 282 housing units across 61089. On demographic stress specifically, 61089 scores 27/100. About 593 people live here, median age 35. Vacancy runs 18.4%, above the national norm and a classic distress-and-opportunity signal. Roughly 21.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 13% have a four-year degree. Households earn a median $68,846 — near the roughly $78,000 national figure. Rent burden reaches 28% of tenant households.

Net-net, 61089 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.