Champaign County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Champaign County, Illinois? DLRadar grades every Champaign County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Champaign County breakdown.
- Champaign County's most distressed ZIP is 61801 at 18/100.
- 35 ZIP codes tracked in Champaign County, averaging 16/100 distress.
- Champaign County reads peak — home values up 4.0% year over year.
- Vacancy runs 10% across Champaign County's tracked ZIPs, with a 10% poverty rate.
- The typical Champaign County home is worth about $192,483 against a ~$66,814 median income.
- Lending headwind in Champaign County sits at 46/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 61801 | 18/100 |
| 2 | 61802 | 18/100 |
| 3 | 61815 | 18/100 |
| 4 | 61816 | 18/100 |
| 5 | 61820 | 18/100 |
| 6 | 61821 | 18/100 |
| 7 | 61822 | 18/100 |
| 8 | 61840 | 18/100 |
| 9 | 61843 | 18/100 |
| 10 | 61847 | 18/100 |
| 11 | 61863 | 18/100 |
| 12 | 61864 | 18/100 |
Most distressed ZIP codes in Champaign County (composite distress 0-100, 2026)
What is driving Champaign County distress
Nothing here is estimated: Champaign County is scored from filings alone, and its ZIPs average 16/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Champaign County market phase and pricing
The cycle in Champaign County is peak, with values up 4.0% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Champaign County
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Questions and answers
Which Champaign County ZIP scores worst for distress?
ZIP 61801 leads Champaign County at 18/100, recomputed monthly from public records.
How would you describe the Champaign County market phase?
Phase for Champaign County: peak, tracking a 4.0% gain year over year, read off the FHFA index.
Which datasets feed the Champaign County scores?
Champaign County draws on FHFA (peak 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 35 ZIPs are comparable to anywhere else.
How much do distress scores vary between Champaign County ZIP codes?
A single county score papers over real variation. Across the Champaign County ZIPs DLRadar ranks, scores run from 18/100 in 61801 down to 18/100 in 61864, against a Champaign County average of 16/100. With 0 points between best and worst, county-level targeting in Champaign County wastes effort.
What do Champaign County home values and vacancy say about distressed supply?
The typical Champaign County home carries about $192,483 of value against a median household income near $66,814. Vacancy across Champaign County's tracked ZIPs runs 10% and the poverty rate is 10%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Champaign County's foreclosure and tax-lien filings and its 46/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.