Hardin County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Hardin County, Illinois? DLRadar grades every Hardin County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 6/100. Here is the 2026 Hardin County breakdown.
- Hardin County's most distressed ZIP is 62938 at 6/100.
- 5 ZIP codes tracked in Hardin County, averaging 3/100 distress.
- Hardin County reads expansion — home values up 5.3% year over year.
- Vacancy runs 35.8% across Hardin County's tracked ZIPs, with a 12.3% poverty rate.
- The typical Hardin County home is worth about $117,680 against a ~$57,102 median income.
- Lending headwind in Hardin County sits at 100/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 62938 | 6/100 |
| 2 | 62947 | 3/100 |
| 3 | 62919 | 2/100 |
| 4 | 62931 | 2/100 |
| 5 | 62982 | 2/100 |
Most distressed ZIP codes in Hardin County (composite distress 0-100, 2026)
What is driving Hardin County distress
The Hardin County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 3/100 ZIP average. No proprietary or modelled inputs enter the score.
Hardin County market phase and pricing
Hardin County currently sits in expansion after a 5.3% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Hardin County
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Frequently asked questions
What is the most distressed ZIP code in Hardin County, IL?
ZIP 62938 leads Hardin County at 6/100, recomputed monthly from public records.
How would you describe the Hardin County market phase?
Phase for Hardin County: expansion, tracking a 5.3% gain year over year, read off the FHFA index.
How is the Hardin County data sourced?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 5 Hardin 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 Hardin County ZIP codes?
Averaging the county conceals how uneven it is. Across the Hardin County ZIPs DLRadar ranks, scores run from 6/100 in 62938 down to 2/100 in 62982, against a Hardin County average of 3/100. That 4-point gap is why acquisition targeting in Hardin County works at ZIP level rather than county level.
What do Hardin County home values and vacancy say about distressed supply?
The typical Hardin County home carries about $117,680 of value against a median household income near $57,102. Vacancy across Hardin County's tracked ZIPs runs 35.8% and the poverty rate is 12.3%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Hardin County's filings and its 100/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.