ZIP 62638 Property Distress & Foreclosure Data

Composite property distress in 62638 (Morgan County, Illinois) lands at 11/100 — minimal on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (71/100)). The latent-versus-live split is 22/100 structural and 1/100 already moving. The sharpest non-environmental signals are structural risk (22/100), mortgage stress (4/100), institutional ownership (3/100). On the quiet end sit mortgage stress (4/100) and institutional ownership (3/100).

The expansion-phase market in 62638 posted values that rose 6.3% over the year, and 15% higher over three years (phase confidence 35/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Around 15% of adults hold a bachelor's degree or higher. The ZIP holds roughly 577 housing units. At $80,395, median income runs near typical U.S. levels. The vacancy rate is 15.1% — elevated. Around 3% of renters are cost-burdened. The typical home is worth about $130,100 (1.5× income, relatively affordable). The demographic-stress sub-score lands at 19/100. 78% of housing is owner-occupied. The poverty rate is 5.8% — low. Population is roughly 1,326 with a median age of 51.

On the whole, 62638 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.