ZIP 61109 Foreclosure, Tax-Lien & Distress Report

In Winnebago County, Illinois, ZIP 61109 scores 28 of 100 for composite distress, a low level on DLRadar's distress index. Environmental exposure also runs high (climate & FEMA risk (92/100), flood (NFIP) exposure (89/100)). Structural exposure scores 63 and live distress 6 on the 0–100 scale. What sets it apart are the readings on structural risk (63/100), institutional ownership (51/100), construction/permit lag (22/100). By contrast, construction/permit lag (22/100) and mortgage stress (20/100) register low.

The market reads expansion — home values rose 8.0% year on year, and 32% higher over three years, at 44/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Rent burden reaches 39% of tenant households. Roughly 18.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. There are about 11,846 housing units across 61109. 26,714 residents call 61109 home, typically aged 35. The vacancy rate is 6.8%. Around 18% of adults hold a bachelor's degree or higher. Median household income is $61,702, below the U.S. median near $78,000. The demographic-stress sub-score lands at 29/100. Home values center near $139,400, an affordability ratio of 2.0× — accessible. 62% of housing is owner-occupied.

Net-net, 61109 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 61109 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 61109 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 61109 can be compared directly against any other ZIP in Winnebago County, Illinois or nationwide. Where the record is thin for 61109, the field stays empty rather than modeled, and fills in as new documents post.

61109's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 61109 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.