Effingham County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Effingham County, IL distress report, 2026: 15 ZIPs scored in Effingham, IL, Effingham, IL average 8/100; the top Effingham, IL ZIP is 62461 at 10/100; Effingham, IL market phase expansion, Effingham, IL prices +5.7% year over year.
- Effingham, IL ranks #3,005 nationally (opportunity index); Effingham, IL #97 in Illinois; Effingham, IL index 23.1.
- Effingham, IL: no CFPB county sample; Effingham, IL non-metro area reading 1.4%.
- Effingham, IL ZIP phases: 15 expansion.
- Effingham, IL residential listings tracked: 9 across 7 ZIPs; Effingham, IL candidate listings 4.
- Effingham, IL HUD assisted properties: 1 with 113 units.
- Effingham, IL lenders on watch: 8; largest Effingham, IL footprint Dieterich Bank (5 branches).
- Effingham, IL most distressed ZIP: 62461 at 10/100.
Effingham, IL figures: DLRadar distress index; Effingham, IL inputs: CFPB, FHFA, HUD, FDIC; Effingham, IL rebuilt as sources refresh.
| Rank | Effingham, IL ZIP | Score |
|---|---|---|
| 1 | 62461 | 10/100 |
| 2 | 62462 | 10/100 |
| 3 | 62401 | 9/100 |
| 4 | 62411 | 9/100 |
| 5 | 62414 | 9/100 |
| 6 | 62424 | 9/100 |
| 7 | 62443 | 9/100 |
| 8 | 62473 | 9/100 |
| 9 | 62426 | 8/100 |
| 10 | 62458 | 8/100 |
| 11 | 62467 | 8/100 |
| 12 | 62838 | 8/100 |
Most distressed Effingham, IL ZIPs (0-100, 2026)
Mortgage delinquency around Effingham, IL
No CFPB county sample covers Effingham, IL; the non-metro area reading for Effingham, IL: 1.4% ninety-plus; Effingham, IL area thirty-to-eighty-nine 2.8% (December 2025, Effingham, IL); Illinois overall 1.1%.
Opportunity index: Effingham, IL
Effingham, IL index 23.1, Effingham, IL phase weak; Effingham, IL primary driver bank institutional, Effingham, IL second driver vacancy. Effingham, IL components: property stress 10.3, foreclosure pressure 8.6, listing discounts 26.5, bank stress 56.3, insurance 0.0; Effingham, IL pulse 24.2; Effingham, IL capital opportunity 21.4.
ZIP market phases inside Effingham, IL
15 Effingham, IL ZIPs carry a price-cycle phase; Effingham, IL ZIPs by phase (Effingham, IL), deepest drawdown first: expansion, +5.6% YoY (Effingham, IL): 62401, 62411, 62424, 62443, Effingham, IL 62461, 62467; expansion, +5.4% YoY (Effingham, IL): 62414, 62426; expansion, +5.5% YoY (Effingham, IL): 62445, 62462; expansion, +5.3% YoY (Effingham, IL): 62458, 62479, 62838, 62858; expansion, +5.7% YoY (Effingham, IL): 62473.
Residential listings by Effingham, IL ZIP
Effingham, IL ZIPs with the most tracked Effingham, IL residential listings: 62401 4 listings, 2 candidates, bank pressure 61; 62443 3 listings, 0 candidates, bank pressure 61; 62473 2 listings, 2 candidates, bank pressure 58; 62411 0 listings, 0 candidates, bank pressure 63 (Effingham, IL); 62424 0 listings, 0 candidates, bank pressure 62; 62461 0 listings, 0 candidates, bank pressure 61; 62467 0 listings, 0 candidates, bank pressure 61. Effingham, IL totals: 9 listings; Effingham, IL candidates 4; active ZIPs 3.
HUD assisted housing in Effingham, IL
1 assisted properties with 113 units sit in Effingham, IL; largest Effingham, IL properties: Slate Creek Apartments (Effingham) 113 units, 113 assisted.
Lenders with branches in Effingham, IL
Effingham, IL lenders by branch count: Dieterich Bank (Effingham, IL): stress 81, 5 branches elevated in Effingham, IL; Midland States Bank (Effingham, IL): stress 69, 3 branches moderate in Effingham, IL; Washington Savings Bank (Effingham, IL): stress 70, 2 branches moderate in Effingham, IL; First Mid B&T Na (Effingham, IL): stress 62, 2 branches moderate in Effingham, IL; Crossroads Bank (Effingham, IL): stress 48, 2 branches moderate in Effingham, IL; Teutopolis State Bank (Effingham, IL): stress 43, 2 branches low in Effingham, IL; First Nb Of Waterloo (Effingham, IL): stress 72, 1 branch moderate in Effingham, IL; Constitution Bank Na (Effingham, IL): stress 71, 1 branch moderate in Effingham, IL.
Vacancy and permits, Effingham, IL
1,462 of 15,413 Effingham, IL housing units are vacant; Effingham, IL permits, twelve months: 22 multifamily units in Effingham, IL, 34 one-to-four unit units.
Work Effingham, IL at the parcel level
Every Effingham, IL parcel carries owner and address; every Effingham, IL parcel carries APN; Effingham, IL distress scores sit on the Effingham, IL live board.
Effingham, IL figures refresh with each source.
Effingham, IL questions
Most distressed ZIP code in Effingham County, IL?
ZIP 62461 leads Effingham, IL at 10/100; next in Effingham, IL: 62462 at 10/100; the Effingham, IL average is 8/100.
Where does Effingham County, IL rank for investment opportunity?
Effingham, IL is #3,005 among all ranked counties, #97 in Illinois; the Effingham, IL driver is bank institutional; Effingham, IL moved up 95 places.
How many mortgages are delinquent in Effingham County, IL?
Effingham, IL takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Effingham, IL.
Which banks lend in Effingham County, IL?
8 watched lenders hold Effingham, IL branches; the largest Effingham, IL footprints are Dieterich Bank (5), Midland States Bank (3), Washington Savings Bank (2).
More on Effingham, IL
Effingham County, IL distress report: public-record figures for Effingham, IL; not legal advice for Effingham, IL; not tax or investment advice; verify every Effingham, IL record before acting.