ZIP 61281 Property Distress & Foreclosure Data

In Mercer County, Illinois, ZIP 61281 scores 8 of 100 for composite distress, a minimal level on DLRadar's public-record index. Its standout signals are construction/permit lag (25/100), structural risk (18/100), institutional ownership (5/100). By contrast, institutional ownership (5/100) and mortgage stress (3/100) register low. Structural exposure scores 18 and live distress 1 on the 0–100 scale.

The market reads expansion — home values rose 6.5% year on year, and 62% higher over three years, at 44/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 2,610 people live here, median age 50. Roughly 3.3% live below the poverty line, a low share typical of higher-equity areas. A median home runs $224,000 here, or 2.3 times local income. Rent burden reaches 26% of tenant households. Vacancy runs 10.7%. On demographic stress specifically, 61281 scores 22/100. There are about 1,063 housing units across 61281. Households earn a median $96,295 — above the roughly $78,000 national figure. The tenure split is 92% owner-occupied to 8% rented. About 24% have a four-year degree.

Overall 61281 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.