Cumberland County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cumberland County, Illinois? DLRadar grades every Cumberland County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 19/100. Here is the 2026 Cumberland County breakdown.
- Cumberland County's most distressed ZIP is 61938 at 19/100.
- 12 ZIP codes tracked in Cumberland County, averaging 11/100 distress.
- Cumberland County reads expansion — home values up 5.7% year over year.
- Vacancy runs 9.7% across Cumberland County's tracked ZIPs, with a 9.9% poverty rate.
- The typical Cumberland County home is worth about $159,183 against a ~$66,337 median income.
- Lending headwind in Cumberland County sits at 50/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 61938 | 19/100 |
| 2 | 62440 | 17/100 |
| 3 | 62428 | 14/100 |
| 4 | 62468 | 14/100 |
| 5 | 62469 | 14/100 |
| 6 | 62436 | 13/100 |
| 7 | 62462 | 11/100 |
| 8 | 62447 | 10/100 |
| 9 | 62467 | 9/100 |
| 10 | 62445 | 6/100 |
| 11 | 62420 | 5/100 |
| 12 | 62432 | 5/100 |
Most distressed ZIP codes in Cumberland County (composite distress 0-100, 2026)
What is driving Cumberland County distress
The Cumberland County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 11/100 ZIP average. No proprietary or modelled inputs enter the score.
Cumberland County market phase and pricing
DLRadar places Cumberland County in expansion; prices moved up 5.7% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Cumberland County
Cumberland County's ZIP-level scores stay free. The 60-minute exploration is what unlocks the property-level detail behind them — no card today.
No card charged today · explore every module with live data.
Questions about this county
Where is distress highest inside Cumberland County, IL?
ZIP 61938 leads Cumberland County at 19/100, recomputed monthly from public records.
What market phase is Cumberland County in?
Phase for Cumberland County: expansion, tracking a 5.7% gain year over year, read off the FHFA index.
What are the sources behind these Cumberland County numbers?
The inputs are all public: FHFA for the expansion path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 12 ZIP codes in Cumberland County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Cumberland County ZIP codes?
A single county score papers over real variation. Across the Cumberland County ZIPs DLRadar ranks, scores run from 19/100 in 61938 down to 5/100 in 62432, against a Cumberland County average of 11/100. Those 14 points separate the ZIPs worth working in Cumberland County from the rest.
What do Cumberland County home values and vacancy say about distressed supply?
The typical Cumberland County home carries about $159,183 of value against a median household income near $66,337. Vacancy across Cumberland County's tracked ZIPs runs 9.7% and the poverty rate is 9.9%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Cumberland County's foreclosure and lien filings and its 50/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.