ZIP 61104 Property Distress & Foreclosure Data

ZIP code 61104 in Winnebago County, Illinois carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (90/100), FEMA disaster exposure (64/100). What sets it apart are the readings on structural risk (69/100), institutional ownership (54/100), construction/permit lag (42/100). By contrast, mortgage stress (20/100) register low. Structural risk reads 69/100 against active distress of 6/100.

The market reads expansion — home values rose 7.1% year on year, and 66% higher over three years, at 49/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 17,584 people live here, median age 35. Vacancy runs 16.2%, above the national norm and a classic distress-and-opportunity signal. A median home runs $90,100 here, or 2.6 times local income. Rent burden reaches 50% of tenant households. The tenure split is 37% owner-occupied to 63% rented. About 9% have a four-year degree. On demographic stress specifically, 61104 scores 41/100. There are about 9,101 housing units across 61104. Roughly 39.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Households earn a median $32,161 — below the roughly $78,000 national figure.

Net-net, 61104 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.