ZIP 62281 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 62281 (Madison County, Illinois) lands at 20/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — climate & FEMA risk (94/100), flood (NFIP) exposure (68/100). The split runs 44/100 structural to 2/100 active on the ground. The most distinctive pressure shows up in structural risk (44/100), institutional ownership (16/100), construction/permit lag (10/100). construction/permit lag (10/100) and mortgage stress (7/100) stay muted.

The market reads peak — home values rose 3.9% year on year, and 2% higher over three years (phase confidence 26/100). Topping markets hide individual distress behind strong averages.

Around 37% of adults hold a bachelor's degree or higher. The poverty rate is 2.0% — low. Median household income is $122,679, above the U.S. median near $78,000. The ZIP holds roughly 1,133 housing units. The vacancy rate is 3.4%. DLRadar's demographic-stress index for the area reads 25/100. Rent burden reaches 59% of tenant households. Owners hold 91% of homes, renters 9%. 3,018 residents call 62281 home, typically aged 35. A median home runs $308,900 here, or 2.4 times local income.

On balance, 62281 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 62281 runs through one identical public-record model, so its 20/100 sits on the same scale as every other ZIP in Madison County, Illinois and the nation. The score is rebuilt from public data as it updates, so 62281 reflects the current record instead of a stale or modeled snapshot.

Each component behind 62281 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. The point of the 62281 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.