Franklin County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Franklin County, IL distress report, 2026: 19 ZIPs scored in Franklin, IL, Franklin, IL average 17/100; the top Franklin, IL ZIP is 62932 at 28/100; Franklin, IL market phase expansion, Franklin, IL prices +5.3% year over year.
- Franklin, IL ranks #970 nationally (opportunity index); Franklin, IL #18 in Illinois; Franklin, IL index 31.3.
- Franklin, IL: no CFPB county sample; Franklin, IL non-metro area reading 1.4%.
- Franklin, IL ZIP phases: 19 expansion.
- Franklin, IL residential listings tracked: 32 across 16 ZIPs; Franklin, IL candidate listings 17.
- Franklin, IL lenders on watch: 7; largest Franklin, IL footprint State Bank Of Whittington (5 branches).
- Franklin, IL most distressed ZIP: 62932 at 28/100.
Franklin, IL figures: DLRadar distress index; Franklin, IL inputs: CFPB, FHFA, HUD, FDIC; Franklin, IL rebuilt as sources refresh.
| Rank | Franklin, IL ZIP | Score |
|---|---|---|
| 1 | 62932 | 28/100 |
| 2 | 62812 | 17/100 |
| 3 | 62819 | 17/100 |
| 4 | 62822 | 17/100 |
| 5 | 62825 | 17/100 |
| 6 | 62836 | 17/100 |
| 7 | 62856 | 17/100 |
| 8 | 62865 | 17/100 |
| 9 | 62874 | 17/100 |
| 10 | 62884 | 17/100 |
| 11 | 62891 | 17/100 |
| 12 | 62897 | 17/100 |
Most distressed Franklin, IL ZIPs (0-100, 2026)
Mortgage delinquency around Franklin, IL
No CFPB county sample covers Franklin, IL; the non-metro area reading for Franklin, IL: 1.4% ninety-plus; Franklin, IL area thirty-to-eighty-nine 2.8% (December 2025, Franklin, IL); Illinois overall 1.1%.
Opportunity index: Franklin, IL
Franklin, IL index 31.3, Franklin, IL phase watchlist; Franklin, IL primary driver vacancy, Franklin, IL second driver bank institutional. Franklin, IL components: property stress 13.0, foreclosure pressure 12.0, listing discounts 44.6, bank stress 58.4, insurance 0.0; Franklin, IL pulse 32.9; Franklin, IL capital opportunity 28.8.
ZIP market phases inside Franklin, IL
19 Franklin, IL ZIPs carry a price-cycle phase; Franklin, IL ZIPs by phase (Franklin, IL), deepest drawdown first: expansion, +5.3% YoY (Franklin, IL): 62812, 62819, 62822, 62825, Franklin, IL 62836, 62856, 62859, 62860, Franklin, IL 62865, 62874, 62884, 62891, Franklin, IL 62896, 62897; expansion, +5.6% YoY (Franklin, IL): 62883; expansion, +5.4% YoY (Franklin, IL): 62890.
Residential listings by Franklin, IL ZIP
Franklin, IL ZIPs with the most tracked Franklin, IL residential listings: 62812 11 listings, 5 candidates, bank pressure 64; 62896 9 listings, 5 candidates, bank pressure 63; 62983 5 listings, 2 candidates, bank pressure 64; 62822 2 listings, 0 candidates, bank pressure 64 (Franklin, IL); 62884 2 listings, 2 candidates, bank pressure 64; 62999 2 listings, 2 candidates, bank pressure 64; 62890 1 listings, 1 candidates, bank pressure 63; 62819 0 listings, 0 candidates, bank pressure 64. Franklin, IL totals: 32 listings; Franklin, IL candidates 17; active ZIPs 1.
Lenders with branches in Franklin, IL
Franklin, IL lenders by branch count: State Bank Of Whittington (Franklin, IL): stress 64, 5 branches low in Franklin, IL; Southern Illinois Bank (Franklin, IL): stress 47, 3 branches low in Franklin, IL; Banterra Bank (Franklin, IL): stress 83, 2 branches low in Franklin, IL; Peoples National Bank N A (Franklin, IL): stress 66, 2 branches low in Franklin, IL; Du Quoin State Bank (Franklin, IL): stress 83, 1 branch low in Franklin, IL; First Southern Bank (Franklin, IL): stress 60, 1 branch low in Franklin, IL; Legence Bank (Franklin, IL): stress 51, 1 branch low in Franklin, IL.
Vacancy and permits, Franklin, IL
2,325 of 18,462 Franklin, IL housing units are vacant; Franklin, IL permits, twelve months: 0 multifamily units in Franklin, IL, 17 one-to-four unit units.
Work Franklin, IL at the parcel level
Every Franklin, IL parcel carries owner and address; every Franklin, IL parcel carries APN; Franklin, IL distress scores sit on the Franklin, IL live board.
Franklin, IL figures refresh with each source.
Franklin, IL questions
Most distressed ZIP code in Franklin County, IL?
ZIP 62932 leads Franklin, IL at 28/100; next in Franklin, IL: 62812 at 17/100; the Franklin, IL average is 17/100.
Where does Franklin County, IL rank for investment opportunity?
Franklin, IL is #970 among all ranked counties, #18 in Illinois; the Franklin, IL driver is vacancy; Franklin, IL moved up 653 places.
How many mortgages are delinquent in Franklin County, IL?
Franklin, IL takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Franklin, IL.
Which banks lend in Franklin County, IL?
7 watched lenders hold Franklin, IL branches; the largest Franklin, IL footprints are State Bank Of Whittington (5), Southern Illinois Bank (3), Banterra Bank (2).
More on Franklin, IL
Franklin County, IL distress report: public-record figures for Franklin, IL; not legal advice for Franklin, IL; not tax or investment advice; verify every Franklin, IL record before acting.