ZIP 61312 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 61312 (Bureau County, Illinois) returns a minimal composite of 14/100. It additionally carries heavy environmental risk: climate & FEMA risk (63/100). The split runs 31/100 structural to 1/100 active on the ground. What sets it apart are the readings on construction/permit lag (45/100), structural risk (31/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted.

Prices here sit in a expansion phase: values rose 5.7% over the trailing year, at 33/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $86,250, median income runs near typical U.S. levels. On demographic stress specifically, 61312 scores 22/100. 10.8% of residents fall below the poverty threshold. Around 35% of renters are cost-burdened. The ZIP holds roughly 207 housing units. The typical home is worth about $156,100 (1.4× income, relatively affordable). 84% of housing is owner-occupied. The vacancy rate is 6.4%. About 18% have a four-year degree. Population is roughly 371 with a median age of 52.

Overall 61312 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.

The number is not local guesswork: 61312's 14/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 61312 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 61312 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 14/100 roll-up. Treat 61312 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.