Coles County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Coles County, IL distress report, 2026: 16 ZIPs scored in Coles, IL, Coles, IL average 15/100; the top Coles, IL ZIP is 61912 at 18/100; Coles, IL market phase expansion, Coles, IL prices +5.7% year over year.
- Coles, IL ranks #1,768 nationally (opportunity index); Coles, IL #43 in Illinois; Coles, IL index 28.5.
- Coles, IL: no CFPB county sample; Coles, IL non-metro area reading 1.4%.
- Coles, IL ZIP phases: 16 expansion.
- Coles, IL residential listings tracked: 12 across 6 ZIPs; Coles, IL candidate listings 9.
- Coles, IL HUD assisted properties: 4 with 279 units.
- Coles, IL lenders on watch: 8; largest Coles, IL footprint First Mid B&T Na (3 branches).
- Coles, IL most distressed ZIP: 61912 at 18/100.
Coles, IL figures: DLRadar distress index; Coles, IL inputs: CFPB, FHFA, HUD, FDIC; Coles, IL rebuilt as sources refresh.
| Rank | Coles, IL ZIP | Score |
|---|---|---|
| 1 | 61912 | 18/100 |
| 2 | 61920 | 18/100 |
| 3 | 61931 | 18/100 |
| 4 | 61938 | 18/100 |
| 5 | 61910 | 17/100 |
| 6 | 61911 | 17/100 |
| 7 | 61930 | 17/100 |
| 8 | 61943 | 17/100 |
| 9 | 61951 | 16/100 |
| 10 | 62440 | 16/100 |
| 11 | 61928 | 15/100 |
| 12 | 61933 | 14/100 |
Most distressed Coles, IL ZIPs (0-100, 2026)
Mortgage delinquency around Coles, IL
No CFPB county sample covers Coles, IL; the non-metro area reading for Coles, IL: 1.4% ninety-plus; Coles, IL area thirty-to-eighty-nine 2.8% (December 2025, Coles, IL); Illinois overall 1.1%.
Opportunity index: Coles, IL
Coles, IL index 28.5, Coles, IL phase early_signal; Coles, IL primary driver construction, Coles, IL second driver bank institutional. Coles, IL components: property stress 10.0, foreclosure pressure 8.3, listing discounts 35.2, bank stress 56.8, insurance 0.0; Coles, IL pulse 31.1; Coles, IL capital opportunity 24.7; Coles, IL seven-day change +0.4%.
ZIP market phases inside Coles, IL
16 Coles, IL ZIPs carry a price-cycle phase; Coles, IL ZIPs by phase (Coles, IL), deepest drawdown first: expansion, +5.4% YoY (Coles, IL): 61910, 61930, 62420, 62474; expansion, +5.3% YoY (Coles, IL): 61911, 61928, 61933, 61951; expansion, +5.7% YoY (Coles, IL): 61912, 61920, 61931, 61938, Coles, IL 62440, 62469; expansion, +5.5% YoY (Coles, IL): 61943, 62447.
Residential listings by Coles, IL ZIP
Coles, IL ZIPs with the most tracked Coles, IL residential listings: 61920 8 listings, 6 candidates, bank pressure 62; 61938 3 listings, 2 candidates, bank pressure 63; 61943 1 listings, 1 candidates, bank pressure 62; 61912 0 listings, 0 candidates, bank pressure 62 (Coles, IL); 61931 0 listings, 0 candidates, bank pressure 62; 62440 0 listings, 0 candidates, bank pressure 63. Coles, IL totals: 12 listings; Coles, IL candidates 9; active ZIPs 3.
HUD assisted housing in Coles, IL
4 assisted properties with 279 units sit in Coles, IL; largest Coles, IL properties: Fellowship Center (Mattoon) 123 units, 123 assisted; Cougill Senior Apartments Of Charleston (Charleston) 100 units, 100 assisted; 17th Place Apartments (Mattoon) 40 units, 40 assisted in Coles, IL; Logan Court (Mattoon) 16 units, 16 assisted.
Lenders with branches in Coles, IL
Coles, IL lenders by branch count: First Mid B&T Na (Coles, IL): stress 62, 3 branches low in Coles, IL; Washington Savings Bank (Coles, IL): stress 70, 2 branches low in Coles, IL; First Fs&La Of Cntl Il S B (Coles, IL): stress 68, 2 branches low in Coles, IL; First Neighbor Bank Na (Coles, IL): stress 64, 2 branches low in Coles, IL; Prairie State Bank&Trust (Coles, IL): stress 52, 2 branches low in Coles, IL; Prospect Bank (Coles, IL): stress 96, 1 branch low in Coles, IL; Casey State Bank (Coles, IL): stress 56, 1 branch low in Coles, IL; Peoples Bank&Trust (Coles, IL): stress 45, 1 branch low in Coles, IL.
Vacancy and permits, Coles, IL
1,857 of 22,681 Coles, IL housing units are vacant; Coles, IL permits, twelve months: 15 multifamily units in Coles, IL, 16 one-to-four unit units.
Work Coles, IL at the parcel level
Every Coles, IL parcel carries owner and address; every Coles, IL parcel carries APN; Coles, IL distress scores sit on the Coles, IL live board.
Coles, IL figures refresh with each source.
Coles, IL questions
Most distressed ZIP code in Coles County, IL?
ZIP 61912 leads Coles, IL at 18/100; next in Coles, IL: 61920 at 18/100; the Coles, IL average is 15/100.
Where does Coles County, IL rank for investment opportunity?
Coles, IL is #1,768 among all ranked counties, #43 in Illinois; the Coles, IL driver is construction; Coles, IL moved up 281 places.
How many mortgages are delinquent in Coles County, IL?
Coles, IL takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Coles, IL.
Which banks lend in Coles County, IL?
8 watched lenders hold Coles, IL branches; the largest Coles, IL footprints are First Mid B&T Na (3), Washington Savings Bank (2), First Fs&La Of Cntl Il S B (2).
More on Coles, IL
Coles County, IL distress report: public-record figures for Coles, IL; not legal advice for Coles, IL; not tax or investment advice; verify every Coles, IL record before acting.