ZIP 62685 Foreclosure, Tax-Lien & Distress Report

Macoupin County, Illinois's ZIP 62685 registers 19/100 composite distress, which DLRadar reads as low. Property-level stress concentrates in construction/permit lag (65/100), structural risk (41/100), mortgage stress (4/100). On the quiet end sit mortgage stress (4/100) and institutional ownership (3/100). The split runs 41/100 structural to 1/100 active on the ground. Environmental exposure also runs high (climate & FEMA risk (79/100)).

Prices here sit in a peak phase: values rose 3.9% over the trailing year, and 51% higher over three years, at 26/100 phase confidence. Topping markets hide individual distress behind strong averages.

Rent burden reaches 7% of tenant households. 19.4% of residents fall below the poverty threshold. Median household income is $63,750, below the U.S. median near $78,000. The vacancy rate is 18.3% — elevated. About 21% have a four-year degree. The typical home is worth about $154,500 (1.8× income, relatively affordable). 1,648 residents call 62685 home, typically aged 48. There are about 781 housing units across 62685. DLRadar's demographic-stress index for the area reads 22/100. 86% of housing is owner-occupied.

On the whole, 62685 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.

Whether 62685 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 62685 can be compared directly against any other ZIP in Macoupin County, Illinois or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 62685 shows blanks, not estimates, wherever the record is sparse.

The 19/100 figure for 62685 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 62685 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.