Coles County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Coles County, Illinois? DLRadar grades every Coles County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 19/100. Here is the 2026 Coles County breakdown.
- Coles County's most distressed ZIP is 61912 at 19/100.
- 16 ZIP codes tracked in Coles County, averaging 15/100 distress.
- Coles County reads expansion — home values up 5.7% year over year.
- Vacancy runs 8.7% across Coles County's tracked ZIPs, with a 10.3% poverty rate.
- The typical Coles County home is worth about $131,863 against a ~$64,176 median income.
- Lending headwind in Coles County sits at 55/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 61912 | 19/100 |
| 2 | 61920 | 19/100 |
| 3 | 61931 | 19/100 |
| 4 | 61938 | 19/100 |
| 5 | 61910 | 17/100 |
| 6 | 61943 | 17/100 |
| 7 | 62440 | 17/100 |
| 8 | 61911 | 16/100 |
| 9 | 61930 | 16/100 |
| 10 | 61951 | 16/100 |
| 11 | 61928 | 15/100 |
| 12 | 62469 | 14/100 |
Most distressed ZIP codes in Coles County (composite distress 0-100, 2026)
What is driving Coles County distress
Coles County's placement in the national index rests on public filings — a 15/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Coles County market phase and pricing
Phase for Coles County: expansion (+5.7% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Coles County
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Questions about this county
Where is distress highest inside Coles County, IL?
ZIP 61912 leads Coles County at 19/100, recomputed monthly from public records.
Where is Coles County in the housing cycle?
Coles County currently sits in expansion, with values up 5.7% year on year, based on FHFA price-index trajectory.
How is the Coles County data sourced?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 16 Coles County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Coles County ZIP codes?
One county number flattens a wide range. Across the Coles County ZIPs DLRadar ranks, scores run from 19/100 in 61912 down to 14/100 in 62469, against a Coles County average of 15/100. The 5-point range is the argument for ZIP-level search across Coles County.
What do Coles County home values and vacancy say about distressed supply?
The typical Coles County home carries about $131,863 of value against a median household income near $64,176. Vacancy across Coles County's tracked ZIPs runs 8.7% and the poverty rate is 10.3%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Coles County's foreclosure and lien filings and its 55/100 lending headwind.
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Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.