Carroll County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Carroll County, Illinois? DLRadar grades every Carroll County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Carroll County breakdown.
- Carroll County's most distressed ZIP is 61064 at 25/100.
- 11 ZIP codes tracked in Carroll County, averaging 16/100 distress.
- Carroll County reads expansion — home values up 5.3% year over year.
- Vacancy runs 14.6% across Carroll County's tracked ZIPs, with a 11.3% poverty rate.
- The typical Carroll County home is worth about $143,645 against a ~$72,311 median income.
- Lending headwind in Carroll County sits at 81/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 61064 | 25/100 |
| 2 | 61062 | 20/100 |
| 3 | 61270 | 19/100 |
| 4 | 61028 | 17/100 |
| 5 | 61078 | 17/100 |
| 6 | 61014 | 14/100 |
| 7 | 61051 | 14/100 |
| 8 | 61046 | 13/100 |
| 9 | 61053 | 13/100 |
| 10 | 61074 | 13/100 |
| 11 | 61285 | 13/100 |
Most distressed ZIP codes in Carroll County (composite distress 0-100, 2026)
What is driving Carroll County distress
Carroll County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 16/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Carroll County market phase and pricing
The cycle in Carroll County is expansion, with values up 5.3% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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What people ask
What is the hardest-hit ZIP in Carroll County?
ZIP 61064 leads Carroll County at 25/100, recomputed monthly from public records.
Where is Carroll County in the housing cycle?
Carroll County currently sits in expansion, with values up 5.3% year on year, based on FHFA price-index trajectory.
Can the Carroll County figures be verified?
Every Carroll County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 11 Carroll County ZIP codes that it runs on every other U.S. county, so Carroll County's numbers are directly comparable to any other market.
How much do distress scores vary between Carroll County ZIP codes?
One county number flattens a wide range. Across the Carroll County ZIPs DLRadar ranks, scores run from 25/100 in 61064 down to 13/100 in 61285, against a Carroll County average of 16/100. A spread of 12 points means Carroll County has to be worked ZIP by ZIP.
What do Carroll County home values and vacancy say about distressed supply?
The typical Carroll County home carries about $143,645 of value against a median household income near $72,311. Vacancy across Carroll County's tracked ZIPs runs 14.6% and the poverty rate is 11.3%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Carroll County's foreclosure and lien data and its 81/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.