ZIP 62865 Property Distress & Foreclosure Data

ZIP code 62865 in Franklin County, Illinois carries a composite property-distress score of 18/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (56/100), structural risk (38/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low. The latent-versus-live split is 38/100 structural and 1/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (78/100).

The market reads expansion — home values rose 7.4% year on year, and 13% higher over three years (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 0% of renters are cost-burdened. Roughly 4.2% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 88% owner-occupied to 12% rented. The ZIP holds roughly 1,034 housing units. On demographic stress specifically, 62865 scores 17/100. A median home runs $153,200 here, or 2.3 times local income. Households earn a median $66,763 — below the roughly $78,000 national figure. About 2,235 people live here, median age 54. About 26% have a four-year degree. The vacancy rate is 5.3%.

Net-net, 62865 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.