Fayette County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Fayette County, Illinois? DLRadar grades every Fayette County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Fayette County breakdown.
- Fayette County's most distressed ZIP is 62854 at 18/100.
- 20 ZIP codes tracked in Fayette County, averaging 11/100 distress.
- Fayette County reads expansion — home values up 5.3% year over year.
- Vacancy runs 13.2% across Fayette County's tracked ZIPs, with a 14.6% poverty rate.
- The typical Fayette County home is worth about $116,905 against a ~$61,323 median income.
- Lending headwind in Fayette County sits at 83/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 62854 | 18/100 |
| 2 | 62892 | 17/100 |
| 3 | 62875 | 16/100 |
| 4 | 62253 | 12/100 |
| 5 | 62262 | 12/100 |
| 6 | 62422 | 12/100 |
| 7 | 62431 | 12/100 |
| 8 | 62032 | 10/100 |
| 9 | 62075 | 10/100 |
| 10 | 62411 | 10/100 |
| 11 | 62414 | 10/100 |
| 12 | 62011 | 8/100 |
Most distressed ZIP codes in Fayette County (composite distress 0-100, 2026)
What is driving Fayette County distress
Fayette County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 11/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Fayette County market phase and pricing
Fayette County reads expansion — home prices rose 5.3% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Common questions
Where is distress highest inside Fayette County, IL?
ZIP 62854 leads Fayette County at 18/100, recomputed monthly from public records.
Is Fayette County expanding or contracting?
Phase for Fayette County: expansion, tracking a 5.3% gain year over year, read off the FHFA index.
Can the Fayette County figures be verified?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 20 Fayette County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Fayette County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Fayette County ZIPs DLRadar ranks, scores run from 18/100 in 62854 down to 8/100 in 62011, against a Fayette County average of 11/100. With 10 points between best and worst, county-level targeting in Fayette County wastes effort.
What do Fayette County home values and vacancy say about distressed supply?
The typical Fayette County home carries about $116,905 of value against a median household income near $61,323. Vacancy across Fayette County's tracked ZIPs runs 13.2% and the poverty rate is 14.6%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Fayette County's foreclosure and tax-lien record and its 83/100 lending headwind.
Related
Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.