ZIP 61840 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 61840 in Champaign County, Illinois comes in at 18, a low composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (90/100), flood (NFIP) exposure (64/100). The latent-versus-live split is 40/100 structural and 2/100 already moving. Its standout signals are structural risk (40/100), institutional ownership (15/100), mortgage stress (7/100). institutional ownership (15/100) and mortgage stress (7/100) stay muted.

The market reads peak — home values rose 4.0% year on year, at 36/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $272,600 here, or 3.3 times local income. Vacancy runs 9.1%. Educational attainment sits at 37% bachelor's-or-above. On demographic stress specifically, 61840 scores 33/100. The tenure split is 95% owner-occupied to 5% rented. Median household income is $81,313, near the U.S. median near $78,000. 572 residents call 61840 home, typically aged 57. 0.0% of residents fall below the poverty threshold. There are about 258 housing units across 61840.

Broadly, 61840 is a steadier market — the deals are the exceptions, not the rule. Parcel-level detail for 61840 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 61840 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 18/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 61840 reflects the current record instead of a stale or modeled snapshot.

61840's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 61840 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.