Cook County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cook County, Illinois? DLRadar grades every Cook County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 35/100. Here is the 2026 Cook County breakdown.
- Cook County's most distressed ZIP is 60623 at 35/100.
- 178 ZIP codes tracked in Cook County, averaging 35/100 distress.
- Cook County reads expansion — home values up 5.7% year over year.
- Vacancy runs 7.4% across Cook County's tracked ZIPs, with a 11.4% poverty rate.
- The typical Cook County home is worth about $369,481 against a ~$88,624 median income.
- Lending headwind in Cook County sits at 47/100 — 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 | 60623 | 35/100 |
| 2 | 60467 | 35/100 |
| 3 | 60637 | 35/100 |
| 4 | 60425 | 35/100 |
| 5 | 60546 | 35/100 |
| 6 | 60660 | 35/100 |
| 7 | 60477 | 35/100 |
| 8 | 60164 | 35/100 |
| 9 | 60606 | 35/100 |
| 10 | 60612 | 35/100 |
| 11 | 60466 | 35/100 |
| 12 | 60402 | 35/100 |
Most distressed ZIP codes in Cook County (composite distress 0-100, 2026)
What is driving Cook County distress
DLRadar builds Cook County's distress picture only from records anyone can pull; its ZIPs average 35/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Cook County market phase and pricing
The cycle in Cook County is expansion, with values up 5.7% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Cook County
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Common questions
What is the most distressed ZIP code in Cook County, IL?
ZIP 60623 leads Cook County at 35/100, recomputed monthly from public records.
Where is Cook County in the housing cycle?
Phase for Cook County: expansion, tracking a 5.7% gain year over year, read off the FHFA index.
Can the Cook County figures be verified?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 178 Cook County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Cook County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Cook County ZIPs DLRadar ranks, scores run from 35/100 in 60623 down to 35/100 in 60402, against a Cook County average of 35/100. Those 0 points separate the ZIPs worth working in Cook County from the rest.
What do Cook County home values and vacancy say about distressed supply?
The typical Cook County home carries about $369,481 of value against a median household income near $88,624. Vacancy across Cook County's tracked ZIPs runs 7.4% and the poverty rate is 11.4%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Cook County's foreclosure and tax-lien filings and its 47/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.