ZIP 61821 Foreclosure, Tax-Lien & Distress Report

In Champaign County, Illinois, ZIP 61821 scores 18 of 100 for composite distress, a low level on DLRadar's distress index. The split runs 40/100 structural to 2/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (90/100), flood (NFIP) exposure (64/100). Leading the profile are structural risk (40/100), institutional ownership (15/100), mortgage stress (7/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low.

Prices here sit in a peak phase: values rose 4.0% over the trailing year, and 25% higher over three years, at 36/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 13,441 housing units. Vacancy runs 9.6%. The typical home is worth about $181,800 (2.5× income, relatively affordable). At $69,284, median income runs near typical U.S. levels. 62% of housing is owner-occupied. About 50% have a four-year degree. The poverty rate is 14.0%. Around 47% of renters are cost-burdened. 28,838 residents call 61821 home, typically aged 36. DLRadar's demographic-stress index for the area reads 28/100.

On balance 61821 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 61821 is not published yet -- the ZIP-level readings above remain fully sourced.

The 61821 read uses the identical scoring model applied coast to coast, which means its 18/100 score means exactly what it means anywhere else, and 61821 stays directly comparable to neighboring ZIPs and the rest of Champaign County, Illinois. The score is rebuilt from public data as it updates, so 61821 reflects the current record instead of a stale or modeled snapshot.

Behind 61821'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 a buyer, 61821 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.