ZIP 62095 Property Distress & Foreclosure Data

ZIP code 62095 in Madison County, Illinois carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (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). On the quiet end sit construction/permit lag (8/100) and mortgage stress (7/100). Structural exposure scores 44 and live distress 2 on the 0–100 scale.

The peak-phase market in 62095 posted values that rose 4.0% over the year, and 17% higher over three years, at 32/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

70% of housing is owner-occupied. The typical home is worth about $111,000 (1.6× income, relatively affordable). The demographic-stress sub-score lands at 26/100. Around 16% of adults hold a bachelor's degree or higher. Population is roughly 10,780 with a median age of 38. The poverty rate is 12.5%. Vacancy runs 10.0%. At $66,641, median income runs below typical U.S. levels. There are about 5,316 housing units across 62095. Rent burden reaches 40% of tenant households.

On balance 62095 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.