Adams County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Adams County, IL distress report, 2026: 23 ZIPs scored in Adams, IL, Adams, IL average 17/100; the top Adams, IL ZIP is 62301 at 19/100; Adams, IL market phase expansion, Adams, IL prices +5.7% year over year.
- Adams, IL ranks #2,083 nationally (opportunity index); Adams, IL #56 in Illinois; Adams, IL index 27.4.
- Adams, IL: no CFPB county sample; Adams, IL non-metro area reading 1.4%.
- Adams, IL ZIP phases: 23 expansion.
- Adams, IL residential listings tracked: 11 across 16 ZIPs; Adams, IL candidate listings 2.
- Adams, IL HUD assisted properties: 6 with 276 units.
- Adams, IL lenders on watch: 8; largest Adams, IL footprint United Community Bank (6 branches).
- Adams, IL most distressed ZIP: 62301 at 19/100.
Adams, IL figures: DLRadar distress index; Adams, IL inputs: CFPB, FHFA, HUD, FDIC; Adams, IL rebuilt as sources refresh.
| Rank | Adams, IL ZIP | Score |
|---|---|---|
| 1 | 62301 | 19/100 |
| 2 | 62305 | 19/100 |
| 3 | 62320 | 19/100 |
| 4 | 62325 | 19/100 |
| 5 | 62338 | 19/100 |
| 6 | 62339 | 19/100 |
| 7 | 62347 | 19/100 |
| 8 | 62348 | 19/100 |
| 9 | 62351 | 19/100 |
| 10 | 62359 | 19/100 |
| 11 | 62360 | 19/100 |
| 12 | 62365 | 19/100 |
Most distressed Adams, IL ZIPs (0-100, 2026)
Mortgage delinquency around Adams, IL
No CFPB county sample covers Adams, IL; the non-metro area reading for Adams, IL: 1.4% ninety-plus; Adams, IL area thirty-to-eighty-nine 2.8% (December 2025, Adams, IL); Illinois overall 1.1%.
Opportunity index: Adams, IL
Adams, IL index 27.4, Adams, IL phase weak; Adams, IL primary driver construction, Adams, IL second driver bank institutional. Adams, IL components: property stress 10.1, foreclosure pressure 8.3, listing discounts 30.3, bank stress 51.4, insurance 0.0; Adams, IL pulse 29.8; Adams, IL capital opportunity 23.9; Adams, IL seven-day change +0.1%.
ZIP market phases inside Adams, IL
23 Adams, IL ZIPs carry a price-cycle phase; Adams, IL ZIPs by phase (Adams, IL), deepest drawdown first: expansion, +5.7% YoY (Adams, IL): 62301, 62305, 62320, 62325, Adams, IL 62338, 62339, 62347, 62348; expansion, +5.3% YoY (Adams, IL): 62311, 62316, 62343; expansion, +5.4% YoY (Adams, IL): 62312, 62314; expansion, +5.6% YoY (Adams, IL): 62324, 62349; expansion, +5.5% YoY (Adams, IL): 62346.
Residential listings by Adams, IL ZIP
Adams, IL ZIPs with the most tracked Adams, IL residential listings: 62301 5 listings, 0 candidates, bank pressure 52; 62305 2 listings, 2 candidates, bank pressure 52; 62349 2 listings, 0 candidates, bank pressure 56; 62324 1 listings, 0 candidates, bank pressure 55 (Adams, IL); 62347 1 listings, 0 candidates, bank pressure 52; 62320 0 listings, 0 candidates, bank pressure 52; 62325 0 listings, 0 candidates, bank pressure 52; 62338 0 listings, 0 candidates, bank pressure 52. Adams, IL totals: 11 listings; Adams, IL candidates 2; active ZIPs 5.
HUD assisted housing in Adams, IL
6 assisted properties with 276 units sit in Adams, IL; largest Adams, IL properties: Sunset Apartments & Villas (Quincy) 119 units; Timberline Terrace Apartments (Quincy) 57 units; Harvest Hills Apartments (Quincy) 35 units, 35 assisted in Adams, IL; Community Alternatives (Quincy) 30 units, 29 assisted; Adams County Mental Health (Quincy) 23 units, 22 assisted; Housing 2006, Inc. (Quincy) 12 units, 12 assisted.
Lenders with branches in Adams, IL
Adams, IL lenders by branch count: United Community Bank (Adams, IL): stress 63, 6 branches low in Adams, IL; First Bankers Trust Co Na (Adams, IL): stress 87, 5 branches low in Adams, IL; Liberty Bank (Adams, IL): stress 48, 5 branches low in Adams, IL; State Street Bank&Trust Co (Adams, IL): stress 45, 3 branches low in Adams, IL; Town&Country Bank Midwest (Adams, IL): stress 22, 3 branches low in Adams, IL; Bank Of Springfield (Adams, IL): stress 68, 2 branches low in Adams, IL; Central State Bank (Adams, IL): stress 12, 2 branches low in Adams, IL; First Mid B&T Na (Adams, IL): stress 62, 1 branch low in Adams, IL.
Vacancy and permits, Adams, IL
2,387 of 30,302 Adams, IL housing units are vacant; Adams, IL permits, twelve months: 6 multifamily units in Adams, IL, 34 one-to-four unit units.
Work Adams, IL at the parcel level
Every Adams, IL parcel carries owner and address; every Adams, IL parcel carries APN; Adams, IL distress scores sit on the Adams, IL live board.
Adams, IL figures refresh with each source.
Adams, IL questions
Most distressed ZIP code in Adams County, IL?
ZIP 62301 leads Adams, IL at 19/100; next in Adams, IL: 62305 at 19/100; the Adams, IL average is 17/100.
Where does Adams County, IL rank for investment opportunity?
Adams, IL is #2,083 among all ranked counties, #56 in Illinois; the Adams, IL driver is construction; Adams, IL moved up 280 places.
How many mortgages are delinquent in Adams County, IL?
Adams, IL takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Adams, IL.
Which banks lend in Adams County, IL?
8 watched lenders hold Adams, IL branches; the largest Adams, IL footprints are United Community Bank (6), First Bankers Trust Co Na (5), Liberty Bank (5).
More on Adams, IL
Adams County, IL distress report: public-record figures for Adams, IL; not legal advice for Adams, IL; not tax or investment advice; verify every Adams, IL record before acting.