Effingham County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Effingham County, Illinois? DLRadar grades every Effingham County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 11/100. Here is the 2026 Effingham County breakdown.
- Effingham County's most distressed ZIP is 62461 at 11/100.
- 15 ZIP codes tracked in Effingham County, averaging 9/100 distress.
- Effingham County reads expansion — home values up 5.7% year over year.
- Vacancy runs 7.4% across Effingham County's tracked ZIPs, with a 11.3% poverty rate.
- The typical Effingham County home is worth about $161,507 against a ~$73,795 median income.
- Lending headwind in Effingham County sits at 69/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 62461 | 11/100 |
| 2 | 62462 | 11/100 |
| 3 | 62401 | 10/100 |
| 4 | 62411 | 10/100 |
| 5 | 62414 | 10/100 |
| 6 | 62473 | 10/100 |
| 7 | 62424 | 9/100 |
| 8 | 62443 | 9/100 |
| 9 | 62467 | 9/100 |
| 10 | 62426 | 8/100 |
| 11 | 62458 | 8/100 |
| 12 | 62838 | 8/100 |
Most distressed ZIP codes in Effingham County (composite distress 0-100, 2026)
What is driving Effingham County distress
Nothing here is estimated: Effingham County is scored from filings alone, and its ZIPs average 9/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Effingham County market phase and pricing
Effingham County reads expansion — home prices rose 5.7% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Effingham County
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Questions about this county
Which part of Effingham County, IL scores highest for distress?
ZIP 62461 leads Effingham County at 11/100, recomputed monthly from public records.
Is Effingham County expanding or contracting?
Phase for Effingham County: expansion, tracking a 5.7% gain year over year, read off the FHFA index.
What is this Effingham County analysis built from?
Every Effingham County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 15 Effingham County ZIP codes that it runs on every other U.S. county, so Effingham County's numbers are directly comparable to any other market.
How much do distress scores vary between Effingham County ZIP codes?
Averaging the county conceals how uneven it is. Across the Effingham County ZIPs DLRadar ranks, scores run from 11/100 in 62461 down to 8/100 in 62838, against a Effingham County average of 9/100. A spread of 3 points means Effingham County has to be worked ZIP by ZIP.
What do Effingham County home values and vacancy say about distressed supply?
The typical Effingham County home carries about $161,507 of value against a median household income near $73,795. Vacancy across Effingham County's tracked ZIPs runs 7.4% and the poverty rate is 11.3%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Effingham County's foreclosure and lien data and its 69/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.