Hamilton County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Hamilton County, Illinois? DLRadar grades every Hamilton County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 21/100. Here is the 2026 Hamilton County breakdown.
- Hamilton County's most distressed ZIP is 62810 at 21/100.
- 13 ZIP codes tracked in Hamilton County, averaging 14/100 distress.
- Hamilton County reads expansion — home values up 5.3% year over year.
- Vacancy runs 13.2% across Hamilton County's tracked ZIPs, with a 15.6% poverty rate.
- The typical Hamilton County home is worth about $134,133 against a ~$55,686 median income.
- Lending headwind in Hamilton County sits at 65/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 62810 | 21/100 |
| 2 | 62935 | 18/100 |
| 3 | 62895 | 17/100 |
| 4 | 62828 | 16/100 |
| 5 | 62890 | 16/100 |
| 6 | 62860 | 15/100 |
| 7 | 62869 | 14/100 |
| 8 | 62930 | 14/100 |
| 9 | 62835 | 12/100 |
| 10 | 62859 | 11/100 |
| 11 | 62887 | 10/100 |
| 12 | 62817 | 6/100 |
Most distressed ZIP codes in Hamilton County (composite distress 0-100, 2026)
What is driving Hamilton County distress
Hamilton County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 14/100 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.
Hamilton County market phase and pricing
The cycle in Hamilton County is expansion, with values up 5.3% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Hamilton County
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What people ask
Which Hamilton County ZIP scores worst for distress?
ZIP 62810 leads Hamilton County at 21/100, recomputed monthly from public records.
What stage of the price cycle is Hamilton County at?
Hamilton County reads expansion, with home prices up 5.3% year over year. Phase comes from FHFA House Price Index trajectory.
What is this Hamilton County analysis built from?
The inputs are all public: FHFA for the expansion path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 13 ZIP codes in Hamilton County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Hamilton County ZIP codes?
Averaging the county conceals how uneven it is. Across the Hamilton County ZIPs DLRadar ranks, scores run from 21/100 in 62810 down to 6/100 in 62817, against a Hamilton County average of 14/100. Because the gap runs to 15 points, Hamilton County rewards ZIP-level precision.
What do Hamilton County home values and vacancy say about distressed supply?
The typical Hamilton County home carries about $134,133 of value against a median household income near $55,686. Vacancy across Hamilton County's tracked ZIPs runs 13.2% and the poverty rate is 15.6%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Hamilton County's foreclosure and lien data and its 65/100 lending headwind.
Related
Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.