ZIP 61849 Foreclosure, Tax-Lien & Distress Report

Champaign County, Illinois's ZIP 61849 registers 18/100 composite distress, which DLRadar reads as low. On the structural side it scores 38/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), flood (NFIP) exposure (63/100). Leading the profile are structural risk (38/100), institutional ownership (15/100), mortgage stress (6/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (6/100).

The peak-phase market in 61849 posted values that rose 4.5% over the year, and 12% higher over three years (phase confidence 35/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 8.0%. Home values center near $159,900, an affordability ratio of 1.6× — accessible. The ZIP holds roughly 841 housing units. Educational attainment sits at 17% bachelor's-or-above. About 1,882 people live here, median age 42. Around 51% of renters are cost-burdened. Owners hold 86% of homes, renters 14%. On demographic stress specifically, 61849 scores 26/100. Median household income is $95,000, above the U.S. median near $78,000. The poverty rate is 8.9%.

On balance, 61849 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Parcel-level detail for 61849 is not published yet -- the ZIP-level readings above remain fully sourced.

Whether 61849 runs hot or quiet, its 18/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 61849 can be compared directly against any other ZIP in Champaign County, Illinois or nationwide. Nothing here is interpolated — where a source is thin for 61849, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

61849's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 61849 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.