ZIP 62954 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 62954 (Gallatin County, Illinois) at a minimal 5/100 for overall property distress. The pressure is most legible in structural risk (9/100), mortgage stress (4/100), institutional ownership (3/100). mortgage stress (4/100) and institutional ownership (3/100) stay muted. Structural exposure scores 9 and live distress 1 on the 0–100 scale.

The market reads expansion — home values rose 5.3% year on year, at 34/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 199 housing units across 62954. About 10% have a four-year degree. About 415 people live here, median age 68. Median household income is $65,083, below the U.S. median near $78,000. The typical home is worth about $89,700 (1.4× income, relatively affordable). 9.2% of residents fall below the poverty threshold. Vacancy runs 5.6%. On demographic stress specifically, 62954 scores 18/100. 91% of housing is owner-occupied. Around 12% of renters are cost-burdened.

On balance 62954 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 62954 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 62954 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 5/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 62954 shows blanks, not estimates, wherever the record is sparse.

62954's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 62954 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.