Gallatin County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Gallatin County, Illinois? DLRadar grades every Gallatin County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 14/100. Here is the 2026 Gallatin County breakdown.
- Gallatin County's most distressed ZIP is 62869 at 14/100.
- 9 ZIP codes tracked in Gallatin County, averaging 8/100 distress.
- Gallatin County reads expansion — home values up 5.3% year over year.
- Vacancy runs 18.8% across Gallatin County's tracked ZIPs, with a 14.6% poverty rate.
- The typical Gallatin County home is worth about $89,989 against a ~$53,573 median income.
- Lending headwind in Gallatin County sits at 65/100 — 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 | 62869 | 14/100 |
| 2 | 62930 | 14/100 |
| 3 | 62867 | 11/100 |
| 4 | 62934 | 8/100 |
| 5 | 62871 | 5/100 |
| 6 | 62954 | 5/100 |
| 7 | 62979 | 5/100 |
| 8 | 62984 | 5/100 |
| 9 | 62931 | 2/100 |
Most distressed ZIP codes in Gallatin County (composite distress 0-100, 2026)
What is driving Gallatin County distress
Nothing here is estimated: Gallatin County is scored from filings alone, and its ZIPs average 8/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Gallatin County market phase and pricing
Gallatin 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 Gallatin County
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What people ask
Where is distress highest inside Gallatin County, IL?
ZIP 62869 leads Gallatin County at 14/100, recomputed monthly from public records.
Is Gallatin County expanding or contracting?
The market phase for Gallatin County is expansion, prices rising 5.3% on the year — derived from the FHFA House Price Index path.
Can the Gallatin 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 9 Gallatin 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 Gallatin County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Gallatin County ZIPs DLRadar ranks, scores run from 14/100 in 62869 down to 2/100 in 62931, against a Gallatin County average of 8/100. A spread of 12 points means Gallatin County has to be worked ZIP by ZIP.
What do Gallatin County home values and vacancy say about distressed supply?
The typical Gallatin County home carries about $89,989 of value against a median household income near $53,573. Vacancy across Gallatin County's tracked ZIPs runs 18.8% and the poverty rate is 14.6%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Gallatin County's filings and its 65/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.