Adams County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Adams County, Illinois? DLRadar grades every Adams County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Adams County breakdown.
- Adams County's most distressed ZIP is 62301 at 18/100.
- 23 ZIP codes tracked in Adams County, averaging 17/100 distress.
- Adams County reads expansion — home values up 5.7% year over year.
- Vacancy runs 11.2% across Adams County's tracked ZIPs, with a 7.3% poverty rate.
- The typical Adams County home is worth about $139,345 against a ~$65,739 median income.
- Lending headwind in Adams County sits at 34/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 62301 | 18/100 |
| 2 | 62305 | 18/100 |
| 3 | 62320 | 18/100 |
| 4 | 62325 | 18/100 |
| 5 | 62338 | 18/100 |
| 6 | 62339 | 18/100 |
| 7 | 62347 | 18/100 |
| 8 | 62348 | 18/100 |
| 9 | 62351 | 18/100 |
| 10 | 62359 | 18/100 |
| 11 | 62360 | 18/100 |
| 12 | 62365 | 18/100 |
Most distressed ZIP codes in Adams County (composite distress 0-100, 2026)
What is driving Adams County distress
Adams County's placement in the national index rests on public filings — a 17/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Adams County market phase and pricing
Adams County reads expansion — home prices rose 5.7% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Frequently asked questions
Which Adams County ZIP scores worst for distress?
ZIP 62301 leads Adams County at 18/100, recomputed monthly from public records.
What market phase is Adams County in?
Phase for Adams County: expansion, tracking a 5.7% gain year over year, read off the FHFA index.
How is the Adams County data sourced?
Adams County draws on FHFA (expansion trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 23 ZIPs are comparable to anywhere else.
How much do distress scores vary between Adams County ZIP codes?
The county figure is a blend, not a description. Across the Adams County ZIPs DLRadar ranks, scores run from 18/100 in 62301 down to 18/100 in 62365, against a Adams County average of 17/100. Because the gap runs to 0 points, Adams County rewards ZIP-level precision.
What do Adams County home values and vacancy say about distressed supply?
The typical Adams County home carries about $139,345 of value against a median household income near $65,739. Vacancy across Adams County's tracked ZIPs runs 11.2% and the poverty rate is 7.3%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Adams County's foreclosure and lien filings and its 34/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.