ZIP 62685 Property Distress & Foreclosure Data

ZIP code 62685 in Macoupin County, Illinois carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (64/100), structural risk (40/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low. The latent-versus-live split is 40/100 structural and 1/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (79/100).

The market reads peak — home values rose 4.0% year on year, and 51% higher over three years (phase confidence 32/100). Topping markets hide individual distress behind strong averages.

Around 7% of renters are cost-burdened. Roughly 19.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Households earn a median $63,750 — below the roughly $78,000 national figure. The vacancy rate is 18.3% — elevated. About 21% have a four-year degree. A median home runs $154,500 here, or 1.8 times local income. About 1,648 people live here, median age 48. The ZIP holds roughly 781 housing units. On demographic stress specifically, 62685 scores 22/100. The tenure split is 86% owner-occupied to 14% rented.

Net-net, 62685 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.