ZIP 62865 Foreclosure, Tax-Lien & Distress Report

In Franklin County, Illinois, ZIP 62865 scores 17 of 100 for composite distress, a low level on DLRadar's distress index. The most distinctive pressure shows up in construction/permit lag (50/100), structural risk (37/100), mortgage stress (4/100). On the quiet end sit mortgage stress (4/100) and institutional ownership (3/100). The split runs 37/100 structural to 1/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (78/100).

Prices here sit in a expansion phase: values rose 5.3% over the trailing year, and 13% higher over three years, at 34/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Around 0% of renters are cost-burdened. The poverty rate is 4.2% — low. 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. Vacancy runs 5.3%.

On balance 62865 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 62865 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 62865 runs through one identical scoring model, so its 17/100 sits on the same scale as every other ZIP in Franklin County, Illinois and the nation. 62865 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 62865'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. For an operator, 62865 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.