ZIP 62281 Property Distress & Foreclosure Data

DLRadar grades ZIP 62281 (Madison County, Illinois) at a low 20/100 for overall property distress. Environmental exposure also runs high (climate & FEMA risk (94/100), flood (NFIP) exposure (69/100)). The latent-versus-live split is 44/100 structural and 2/100 already moving. Property-level stress concentrates in 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).

The peak-phase market in 62281 posted values that rose 4.0% over the year, and 2% higher over three years (phase confidence 32/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Around 37% of adults hold a bachelor's degree or higher. The poverty rate is 2.0% — low. At $122,679, median income runs above typical U.S. levels. The ZIP holds roughly 1,133 housing units. The vacancy rate is 3.4%. The demographic-stress sub-score lands at 25/100. Around 59% of renters are cost-burdened. 91% of housing is owner-occupied. Population is roughly 3,018 with a median age of 35. The typical home is worth about $308,900 (2.4× income, relatively affordable).

Broadly, 62281 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.