ZIP 61115 Foreclosure, Tax-Lien & Distress Report

ZIP code 61115 in Winnebago County, Illinois carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic distress index. Structural risk reads 62/100 against active distress of 6/100. Property-level stress concentrates in structural risk (62/100), institutional ownership (51/100), construction/permit lag (21/100). construction/permit lag (21/100) and mortgage stress (20/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (92/100), flood (NFIP) exposure (90/100).

Prices here sit in a expansion phase: values rose 8.1% over the trailing year, and 30% higher over three years (phase confidence 44/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 9,004 housing units. At $73,771, median income runs near typical U.S. levels. The typical home is worth about $172,600 (2.2× income, relatively affordable). The tenure split is 80% owner-occupied to 20% rented. Rent burden reaches 29% of tenant households. Vacancy runs 6.2%. Educational attainment sits at 18% bachelor's-or-above. 13.3% of residents fall below the poverty threshold. 22,424 residents call 61115 home, typically aged 40. On demographic stress specifically, 61115 scores 25/100.

Overall, 61115 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.

Whether 61115 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 61115 can be compared directly against any other ZIP in Winnebago County, Illinois or nationwide. The score is rebuilt from public data as it updates, so 61115 reflects the current record instead of a stale or modeled snapshot.

Behind 61115'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, 61115 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.