Franklin County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Franklin County, Illinois? DLRadar grades every Franklin County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Franklin County breakdown.
- Franklin County's most distressed ZIP is 62932 at 28/100.
- 19 ZIP codes tracked in Franklin County, averaging 17/100 distress.
- Franklin County reads expansion — home values up 5.3% year over year.
- Vacancy runs 11.7% across Franklin County's tracked ZIPs, with a 17.2% poverty rate.
- The typical Franklin County home is worth about $91,768 against a ~$54,533 median income.
- Lending headwind in Franklin County sits at 52/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 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 | 62896 | 17/100 |
Most distressed ZIP codes in Franklin County (composite distress 0-100, 2026)
What is driving Franklin County distress
The Franklin County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 17/100 ZIP average. No proprietary or modelled inputs enter the score.
Franklin County market phase and pricing
Franklin County reads expansion — home prices rose 5.3% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Franklin County
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Frequently asked questions
What is the hardest-hit ZIP in Franklin County?
ZIP 62932 leads Franklin County at 28/100, recomputed monthly from public records.
Which phase does Franklin County sit in right now?
The market phase for Franklin County is expansion, prices rising 5.3% on the year — derived from the FHFA House Price Index path.
How is the Franklin County data sourced?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 19 Franklin County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Franklin County ZIP codes?
One county number flattens a wide range. Across the Franklin County ZIPs DLRadar ranks, scores run from 28/100 in 62932 down to 17/100 in 62896, against a Franklin County average of 17/100. Because the gap runs to 11 points, Franklin County rewards ZIP-level precision.
What do Franklin County home values and vacancy say about distressed supply?
The typical Franklin County home carries about $91,768 of value against a median household income near $54,533. Vacancy across Franklin County's tracked ZIPs runs 11.7% and the poverty rate is 17.2%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Franklin County's foreclosure and tax-lien filings and its 52/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.