ZIP 61109 Property Distress & Foreclosure Data

ZIP code 61109 in Winnebago County, Illinois carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (92/100), flood (NFIP) exposure (89/100), FEMA disaster exposure (62/100). The latent-versus-live split is 68/100 structural and 6/100 already moving. What sets it apart are the readings on structural risk (68/100), institutional ownership (53/100), construction/permit lag (43/100). mortgage stress (20/100) stay muted.

Prices here sit in a expansion phase: values rose 7.1% over the trailing year, and 32% higher over three years (phase confidence 48/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Around 39% of renters are cost-burdened. 18.5% of residents fall below the poverty threshold. The ZIP holds roughly 11,846 housing units. 26,714 residents call 61109 home, typically aged 35. The vacancy rate is 6.8%. Educational attainment sits at 18% bachelor's-or-above. Median household income is $61,702, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 29/100. Home values center near $139,400, an affordability ratio of 2.0× — accessible. Owners hold 62% of homes, renters 38%.

Overall, 61109 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.