ZIP 62040 Property Distress & Foreclosure Data

ZIP code 62040 in Madison County, Illinois carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (69/100). What sets it apart are the readings on structural risk (44/100), institutional ownership (16/100), construction/permit lag (8/100). By contrast, construction/permit lag (8/100) and mortgage stress (7/100) register low. Structural exposure scores 44 and live distress 2 on the 0–100 scale.

The market reads peak — home values rose 4.0% year on year, and 23% higher over three years, at 32/100 phase confidence. Topping markets hide individual distress behind strong averages.

Vacancy runs 10.3%. There are about 18,908 housing units across 62040. A median home runs $112,000 here, or 1.8 times local income. Rent burden reaches 38% of tenant households. Roughly 14.5% live below the poverty line. About 16% have a four-year degree. About 40,365 people live here, median age 40. Households earn a median $60,558 — below the roughly $78,000 national figure. The tenure split is 74% owner-occupied to 26% rented. On demographic stress specifically, 62040 scores 26/100.

Net-net, 62040 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.