ZIP 62630 Foreclosure, Tax-Lien & Distress Report

In Macoupin County, Illinois, ZIP 62630 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. The sharpest non-environmental signals are construction/permit lag (65/100), structural risk (40/100), mortgage stress (5/100). mortgage stress (5/100) and institutional ownership (3/100) stay muted. On the structural side it scores 40/100, with 1/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (76/100)).

Prices here sit in a peak phase: values rose 4.0% over the trailing year, at 27/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $82,292, near the U.S. median near $78,000. About 29% have a four-year degree. A median home runs $147,200 here, or 1.5 times local income. Vacancy runs 11.6%, above the national norm and a classic distress-and-opportunity signal. 7.3% of residents fall below the poverty threshold. On demographic stress specifically, 62630 scores 15/100. Rent burden reaches 0% of tenant households. The tenure split is 99% owner-occupied to 1% rented. 783 residents call 62630 home, typically aged 45. There are about 415 housing units across 62630.

Broadly, 62630 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.

Big metro or rural, 62630 runs through one identical public-record model, so its 18/100 sits on the same scale as every other ZIP in Macoupin County, Illinois and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 62630 shows blanks, not estimates, wherever the record is sparse.

Behind 62630's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 62630 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.