Champaign County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Champaign County, IL distress report, 2026: 35 ZIPs scored in Champaign, IL, Champaign, IL average 16/100; the top Champaign, IL ZIP is 61801 at 18/100; Champaign, IL market phase peak, Champaign, IL prices +4.0% year over year.
- Champaign, IL ranks #2,955 nationally (opportunity index); Champaign, IL #94 in Illinois; Champaign, IL index 23.5.
- Champaign, IL ninety-day mortgage delinquency 0.7% in December 2025; Champaign, IL twelve-month change +0.5%.
- Champaign, IL ZIP phases: 33 peak, 2 expansion.
- Champaign, IL residential listings tracked: 19 across 29 ZIPs; Champaign, IL candidate listings 4.
- Champaign, IL HUD assisted properties: 16 with 2,112 units.
- Champaign, IL lenders on watch: 8; largest Champaign, IL footprint Busey Bank (9 branches).
- Champaign, IL most distressed ZIP: 61801 at 18/100.
Champaign, IL figures: DLRadar distress index; Champaign, IL inputs: CFPB, FHFA, HUD, FDIC; Champaign, IL rebuilt as sources refresh.
| Rank | Champaign, IL ZIP | Score |
|---|---|---|
| 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 | 61849 | 18/100 |
| 12 | 61859 | 18/100 |
Most distressed Champaign, IL ZIPs (0-100, 2026)
Mortgage delinquency in Champaign, IL
0.7% of Champaign, IL mortgages were ninety-plus days late (Champaign, IL, December 2025); Champaign, IL thirty-to-eighty-nine days late: 1.5%; Champaign, IL twelve-month change +0.5%; Champaign, IL peak since 2008: 2.2% (December 2011); Illinois overall 1.1%. Champaign, IL ninety-day series: Dec 24 0.2, Jan 25 0.4, Feb 25 0.6 (Champaign, IL), Mar 25 0.7, Apr 25 0.7, May 25 0.8 (Champaign, IL), Jun 25 0.6, Jul 25 0.6, Aug 25 0.8 (Champaign, IL), Sep 25 0.6, Oct 25 0.7, Nov 25 0.7 (Champaign, IL), Dec 25 0.7.
Opportunity index: Champaign, IL
Champaign, IL index 23.5, Champaign, IL phase weak; Champaign, IL primary driver bank institutional, Champaign, IL second driver vacancy. Champaign, IL components: property stress 14.9, foreclosure pressure 13.6, listing discounts 22.3, bank stress 57.5, insurance 0.0; Champaign, IL pulse 25.6; Champaign, IL capital opportunity 20.4.
ZIP market phases inside Champaign, IL
35 Champaign, IL ZIPs carry a price-cycle phase; Champaign, IL ZIPs by phase (Champaign, IL), deepest drawdown first: peak, +4.2% YoY (Champaign, IL): 60936, 61843; peak, +4.0% YoY (Champaign, IL): 60949, 60957, 61801, 61802, Champaign, IL 61815, 61816, 61820, 61821, Champaign, IL 61822, 61840, 61845, 61847; expansion, +5.2% YoY (Champaign, IL): 60960, 61810.
Residential listings by Champaign, IL ZIP
Champaign, IL ZIPs with the most tracked Champaign, IL residential listings: 61821 4 listings, 2 candidates, bank pressure 62; 61853 4 listings, 0 candidates, bank pressure 63; 60949 2 listings, 0 candidates, bank pressure 60; 61849 2 listings, 0 candidates, bank pressure 63 (Champaign, IL); 61880 2 listings, 0 candidates, bank pressure 62; 61801 1 listings, 0 candidates, bank pressure 62; 61815 1 listings, 1 candidates, bank pressure 62; 61820 1 listings, 0 candidates, bank pressure 62. Champaign, IL totals: 19 listings; Champaign, IL candidates 4; active ZIPs 10.
HUD assisted housing in Champaign, IL
16 assisted properties with 2,112 units sit in Champaign, IL; largest Champaign, IL properties: Providence At Sycamore Hills And Thornberry (Champaign) 504 units; Hessel On The Park Apartments (Champaign) 285 units; Nantucket Cove Apartments (Champaign) 240 units in Champaign, IL; Amber Pointe Apartments (Urbana) 230 units; Bradley Park Apts.Formerly 07210520 (Champaign) 204 units; Parkview Apartments (Savoy) 176 units.
Lenders with branches in Champaign, IL
Champaign, IL lenders by branch count: Busey Bank (Champaign, IL): stress 51, 9 branches low in Champaign, IL; Philo Exchange Bank (Champaign, IL): stress 71, 5 branches low in Champaign, IL; First Mid B&T Na (Champaign, IL): stress 62, 5 branches low in Champaign, IL; Longview Bank (Champaign, IL): stress 67, 4 branches low in Champaign, IL; Fisher National Bank (Champaign, IL): stress 62, 3 branches low in Champaign, IL; Heartland Bank&Trust Co (Champaign, IL): stress 51, 3 branches low in Champaign, IL; Prospect Bank (Champaign, IL): stress 96, 2 branches low in Champaign, IL; Cibm Bank (Champaign, IL): stress 82, 2 branches low in Champaign, IL.
Vacancy and permits, Champaign, IL
9,643 of 95,115 Champaign, IL housing units are vacant; Champaign, IL permits, twelve months: 1,690 multifamily units in Champaign, IL, 213 one-to-four unit units.
Work Champaign, IL at the parcel level
Every Champaign, IL parcel carries owner and address; every Champaign, IL parcel carries APN; Champaign, IL distress scores sit on the Champaign, IL live board.
Champaign, IL figures refresh with each source.
Champaign, IL questions
Most distressed ZIP code in Champaign County, IL?
ZIP 61801 leads Champaign, IL at 18/100; next in Champaign, IL: 61802 at 18/100; the Champaign, IL average is 16/100.
Where does Champaign County, IL rank for investment opportunity?
Champaign, IL is #2,955 among all ranked counties, #94 in Illinois; the Champaign, IL driver is bank institutional; Champaign, IL moved up 38 places.
How many mortgages are delinquent in Champaign County, IL?
0.7% of Champaign, IL mortgages were ninety-plus days late in December 2025; the Champaign, IL peak since 2008 was 2.2%.
Which banks lend in Champaign County, IL?
8 watched lenders hold Champaign, IL branches; the largest Champaign, IL footprints are Busey Bank (9), Philo Exchange Bank (5), First Mid B&T Na (5).
More on Champaign, IL
Champaign County, IL distress report: public-record figures for Champaign, IL; not legal advice for Champaign, IL; not tax or investment advice; verify every Champaign, IL record before acting.