ZIP 61281 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 61281 (Mercer County, Illinois) returns a minimal composite of 10/100. Property-level stress concentrates in construction/permit lag (47/100), structural risk (23/100), institutional ownership (5/100). By contrast, institutional ownership (5/100) and mortgage stress (3/100) register low. The split runs 23/100 structural to 1/100 active on the ground.

Prices here sit in a peak phase: values rose 3.8% over the trailing year, and 62% higher over three years (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

2,610 residents call 61281 home, typically aged 50. The poverty rate is 3.3% — low. The typical home is worth about $224,000 (2.3× income, relatively affordable). Around 26% of renters are cost-burdened. The vacancy rate is 10.7%. DLRadar's demographic-stress index for the area reads 22/100. There are about 1,063 housing units across 61281. Median household income is $96,295, above the U.S. median near $78,000. The tenure split is 92% owner-occupied to 8% rented. Educational attainment sits at 24% bachelor's-or-above.

Broadly, 61281 is a steadier market — the deals are the exceptions, not the rule. There is no property file for 61281 at the moment; the composite and its components are still built from verifiable records.

Big metro or rural, 61281 runs through one identical scoring model, so its 10/100 sits on the same scale as every other ZIP in Mercer County, Illinois and the nation. Every figure is auditable to a public dataset and refreshed as records update; 61281 shows blanks, not estimates, wherever the record is sparse.

61281's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 61281 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.