Cook County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cook County, IL distress report, 2026: 178 ZIPs scored in Cook, IL, Cook, IL average 35/100; the top Cook, IL ZIP is 60004 at 35/100; Cook, IL market phase expansion, Cook, IL prices +5.7% year over year.
- Cook, IL ranks #1,017 nationally (opportunity index); Cook, IL #19 in Illinois; Cook, IL index 31.1.
- Cook, IL ninety-day mortgage delinquency 1.2% in December 2025; Cook, IL twelve-month change +0.5%.
- Cook, IL ZIP phases: 178 expansion.
- Cook, IL residential listings tracked: 2,443 across 60 ZIPs; Cook, IL candidate listings 899.
- Cook, IL HUD assisted properties: 369 with 38,890 units.
- Cook, IL lenders on watch: 8; largest Cook, IL footprint Bmo Bank National Assn (84 branches).
- Cook, IL most distressed ZIP: 60004 at 35/100.
Cook, IL figures: DLRadar distress index; Cook, IL inputs: CFPB, FHFA, HUD, FDIC; Cook, IL rebuilt as sources refresh.
| Rank | Cook, IL ZIP | Score |
|---|---|---|
| 1 | 60004 | 35/100 |
| 2 | 60005 | 35/100 |
| 3 | 60008 | 35/100 |
| 4 | 60016 | 35/100 |
| 5 | 60018 | 35/100 |
| 6 | 60022 | 35/100 |
| 7 | 60025 | 35/100 |
| 8 | 60026 | 35/100 |
| 9 | 60029 | 35/100 |
| 10 | 60043 | 35/100 |
| 11 | 60053 | 35/100 |
| 12 | 60056 | 35/100 |
Most distressed Cook, IL ZIPs (0-100, 2026)
Mortgage delinquency in Cook, IL
1.2% of Cook, IL mortgages were ninety-plus days late (Cook, IL, December 2025); Cook, IL thirty-to-eighty-nine days late: 2.1%; Cook, IL twelve-month change +0.5%; Cook, IL peak since 2008: 7.0% (February 2010); Illinois overall 1.1%. Cook, IL ninety-day series: Dec 24 0.7, Jan 25 1.0, Feb 25 1.1 (Cook, IL), Mar 25 1.0, Apr 25 1.0, May 25 1.0 (Cook, IL), Jun 25 1.0, Jul 25 1.0, Aug 25 1.0 (Cook, IL), Sep 25 1.0, Oct 25 1.0, Nov 25 1.0 (Cook, IL), Dec 25 1.2.
Opportunity index: Cook, IL
Cook, IL index 31.1, Cook, IL phase watchlist; Cook, IL primary driver construction, Cook, IL second driver bank institutional. Cook, IL components: property stress 18.8, foreclosure pressure 16.4, listing discounts 33.9, bank stress 57.9, insurance 0.0; Cook, IL pulse 33.5; Cook, IL capital opportunity 27.5; Cook, IL seven-day change +0.6%.
ZIP market phases inside Cook, IL
178 Cook, IL ZIPs carry a price-cycle phase; Cook, IL ZIPs by phase (Cook, IL), deepest drawdown first: expansion, +5.7% YoY (Cook, IL): 60004, 60005, 60007, 60008, Cook, IL 60010, 60015, 60016, 60018, Cook, IL 60022, 60025, 60026, 60029, Cook, IL 60043, 60053, 60056, 60062.
Residential listings by Cook, IL ZIP
Cook, IL ZIPs with the most tracked Cook, IL residential listings: 60628 134 listings, 64 candidates, bank pressure 60; 60619 116 listings, 50 candidates, bank pressure 60; 60617 109 listings, 48 candidates, bank pressure 60; 60620 95 listings, 33 candidates, bank pressure 60 (Cook, IL); 60649 92 listings, 65 candidates, bank pressure 60; 60409 90 listings, 34 candidates, bank pressure 60; 60473 86 listings, 29 candidates, bank pressure 60; 60419 65 listings, 21 candidates, bank pressure 60. Cook, IL totals: 2,443 listings; Cook, IL candidates 899; active ZIPs 60.
HUD assisted housing in Cook, IL
369 assisted properties with 38,890 units sit in Cook, IL; largest Cook, IL properties: Parkway Gardens (Chicago) 694 units, 694 assisted; Lakeview Towers (Chicago) 500 units, 395 assisted; Patrick Sullivan Senior Apartments (Chicago) 480 units in Cook, IL; Mallard Lake Apartments (Wheeling) 477 units; Breakers-At-Edgewater Beach (Chicago) 476 units; Ginger Ridge (Calumet City) 469 units.
Lenders with branches in Cook, IL
Cook, IL lenders by branch count: Bmo Bank National Assn (Cook, IL): stress 72, 84 branches low in Cook, IL; Byline Bank (Cook, IL): stress 42, 39 branches low in Cook, IL; Wintrust Bank National Assn (Cook, IL): stress 46, 37 branches low in Cook, IL; First American Bank (Cook, IL): stress 67, 22 branches low in Cook, IL; Marquette Bank (Cook, IL): stress 79, 20 branches low in Cook, IL; Parkway Bank&Trust Co (Cook, IL): stress 62, 16 branches low in Cook, IL; Republic Bank Of Chicago (Cook, IL): stress 55, 13 branches low in Cook, IL; Old Second National Bank (Cook, IL): stress 45, 10 branches low in Cook, IL.
Vacancy and permits, Cook, IL
176,263 of 2,276,493 Cook, IL housing units are vacant; Cook, IL permits, twelve months: 3,666 multifamily units in Cook, IL, 1,263 one-to-four unit units.
Work Cook, IL at the parcel level
Every Cook, IL parcel carries owner and address; every Cook, IL parcel carries APN; Cook, IL distress scores sit on the Cook, IL live board.
Cook, IL figures refresh with each source.
Cook, IL questions
Most distressed ZIP code in Cook County, IL?
ZIP 60004 leads Cook, IL at 35/100; next in Cook, IL: 60005 at 35/100; the Cook, IL average is 35/100.
Where does Cook County, IL rank for investment opportunity?
Cook, IL is #1,017 among all ranked counties, #19 in Illinois; the Cook, IL driver is construction; Cook, IL moved up 524 places.
How many mortgages are delinquent in Cook County, IL?
1.2% of Cook, IL mortgages were ninety-plus days late in December 2025; the Cook, IL peak since 2008 was 7.0%.
Which banks lend in Cook County, IL?
8 watched lenders hold Cook, IL branches; the largest Cook, IL footprints are Bmo Bank National Assn (84), Byline Bank (39), Wintrust Bank National Assn (37).
More on Cook, IL
Cook County, IL distress report: public-record figures for Cook, IL; not legal advice for Cook, IL; not tax or investment advice; verify every Cook, IL record before acting.