ZIP 62401 Foreclosure, Tax-Lien & Distress Report

ZIP 62401's composite property-distress score is 10/100 - DLRadar classes that as minimal for Effingham County, Illinois. Structural exposure scores 20 and live distress 1 on the 0–100 scale. Property-level stress concentrates in structural risk (20/100), construction/permit lag (9/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low.

The expansion-phase market in 62401 posted values that rose 5.6% over the year, and 16% higher over three years, at 33/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Around 20% of renters are cost-burdened. About 19,371 people live here, median age 40. At $76,098, median income runs near typical U.S. levels. A median home runs $217,500 here, or 2.6 times local income. The poverty rate is 11.0%. On demographic stress specifically, 62401 scores 24/100. Educational attainment sits at 29% bachelor's-or-above. Vacancy runs 8.6%. 75% of housing is owner-occupied. There are about 8,935 housing units across 62401.

On balance 62401 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.

No ZIP is too small to score: 62401 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 10/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 62401 shows blanks, not estimates, wherever the record is sparse.

The 10/100 for 62401 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 62401 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.