ZIP 61863 Foreclosure, Tax-Lien & Distress Report

In Champaign County, Illinois, ZIP 61863 scores 18 of 100 for composite distress, a low level on DLRadar's distress index. 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). institutional ownership (15/100) and mortgage stress (7/100) stay muted. The latent-versus-live split is 40/100 structural and 2/100 already moving.

The market reads peak — home values rose 4.0% year on year, and 8% higher over three years, at 36/100 phase confidence. Topping markets hide individual distress behind strong averages.

There are about 347 housing units across 61863. Median household income is $96,563, above the U.S. median near $78,000. 807 residents call 61863 home, typically aged 44. The tenure split is 92% owner-occupied to 8% rented. On demographic stress specifically, 61863 scores 18/100. Rent burden reaches 23% of tenant households. The typical home is worth about $181,300 (1.9× income, relatively affordable). Roughly 4.7% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 4.6%. About 37% have a four-year degree.

Broadly, 61863 is a steadier market — the deals are the exceptions, not the rule. No parcel file is published for 61863 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 61863 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 61863 reflects the current record instead of a stale or modeled snapshot.

The 18/100 for 61863 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 61863 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.