ZIP 61938 Property Distress & Foreclosure Data

ZIP code 61938 in Coles County, Illinois carries a composite property-distress score of 15/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (71/100). The latent-versus-live split is 33/100 structural and 1/100 already moving. What sets it apart are the readings on construction/permit lag (44/100), structural risk (33/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low.

The market reads expansion — home values rose 6.4% year on year, and 21% higher over three years (phase confidence 36/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The tenure split is 61% owner-occupied to 39% rented. Around 29% of renters are cost-burdened. Roughly 17.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 23% have a four-year degree. Households earn a median $54,288 — below the roughly $78,000 national figure. The vacancy rate is 9.4%. The ZIP holds roughly 10,518 housing units. About 20,440 people live here, median age 42. On demographic stress specifically, 61938 scores 27/100. A median home runs $111,700 here, or 2.0 times local income.

Net-net, 61938 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.