Macon County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Macon County, IL distress report, 2026: 27 ZIPs scored in Macon, IL, Macon, IL average 15/100; the top Macon, IL ZIP is 62539 at 24/100; Macon, IL market phase peak, Macon, IL prices +3.1% year over year.
- Macon, IL ranks #1,552 nationally (opportunity index); Macon, IL #31 in Illinois; Macon, IL index 29.2.
- Macon, IL: no CFPB county sample; Macon, IL non-metro area reading 1.4%.
- Macon, IL ZIP phases: 21 peak, 6 expansion.
- Macon, IL residential listings tracked: 38 across 16 ZIPs; Macon, IL candidate listings 17.
- Macon, IL HUD assisted properties: 7 with 396 units.
- Macon, IL lenders on watch: 8; largest Macon, IL footprint Hickory Point Bank&Trust (6 branches).
- Macon, IL most distressed ZIP: 62539 at 24/100.
Macon, IL figures: DLRadar distress index; Macon, IL inputs: CFPB, FHFA, HUD, FDIC; Macon, IL rebuilt as sources refresh.
| Rank | Macon, IL ZIP | Score |
|---|---|---|
| 1 | 62539 | 24/100 |
| 2 | 61925 | 17/100 |
| 3 | 62501 | 17/100 |
| 4 | 62514 | 17/100 |
| 5 | 62521 | 17/100 |
| 6 | 62522 | 17/100 |
| 7 | 62523 | 17/100 |
| 8 | 62526 | 17/100 |
| 9 | 62532 | 17/100 |
| 10 | 62535 | 17/100 |
| 11 | 62537 | 17/100 |
| 12 | 62544 | 17/100 |
Most distressed Macon, IL ZIPs (0-100, 2026)
Mortgage delinquency around Macon, IL
No CFPB county sample covers Macon, IL; the non-metro area reading for Macon, IL: 1.4% ninety-plus; Macon, IL area thirty-to-eighty-nine 2.8% (December 2025, Macon, IL); Illinois overall 1.1%.
Opportunity index: Macon, IL
Macon, IL index 29.2, Macon, IL phase early_signal; Macon, IL primary driver vacancy, Macon, IL second driver bank institutional. Macon, IL components: property stress 12.9, foreclosure pressure 12.1, listing discounts 36.4, bank stress 59.0, insurance 0.0; Macon, IL pulse 31.8; Macon, IL capital opportunity 25.3.
ZIP market phases inside Macon, IL
27 Macon, IL ZIPs carry a price-cycle phase; Macon, IL ZIPs by phase (Macon, IL), deepest drawdown first: expansion, +5.1% YoY (Macon, IL): 61749, 61937; peak, +3.8% YoY (Macon, IL): 61756; peak, +3.9% YoY (Macon, IL): 61818; peak, +3.7% YoY (Macon, IL): 61830, 61925; expansion, +5.2% YoY (Macon, IL): 61882, 61914; peak, +3.1% YoY (Macon, IL): 62501, 62514, 62521, 62522, Macon, IL 62523, 62526, 62532; peak, +4.4% YoY (Macon, IL): 62513.
Residential listings by Macon, IL ZIP
Macon, IL ZIPs with the most tracked Macon, IL residential listings: 62521 16 listings, 4 candidates, bank pressure 59; 62526 13 listings, 6 candidates, bank pressure 59; 62522 7 listings, 5 candidates, bank pressure 59; 61756 2 listings, 2 candidates, bank pressure 63 (Macon, IL); 61925 0 listings, 0 candidates, bank pressure 61; 62501 0 listings, 0 candidates, bank pressure 59; 62514 0 listings, 0 candidates, bank pressure 59; 62523 0 listings, 0 candidates, bank pressure 59. Macon, IL totals: 38 listings; Macon, IL candidates 17; active ZIPs 0.
HUD assisted housing in Macon, IL
7 assisted properties with 396 units sit in Macon, IL; largest Macon, IL properties: Oxford House (Decatur) 156 units, 156 assisted; Belvedere Center Plaza (Decatur) 123 units, 122 assisted; Victorian Woods (Decatur) 59 units, 59 assisted in Macon, IL; Heritage Fields Apts (Decatur) 18 units, 18 assisted; Heritage Grove (Decatur) 17 units, 17 assisted; Heritage Fields Iii (Decatur) 14 units, 14 assisted.
Lenders with branches in Macon, IL
Macon, IL lenders by branch count: Hickory Point Bank&Trust (Macon, IL): stress 63, 6 branches low in Macon, IL; Scott State Bank (Macon, IL): stress 62, 4 branches low in Macon, IL; First Mid B&T Na (Macon, IL): stress 62, 4 branches low in Macon, IL; First National Bank Of Pana (Macon, IL): stress 57, 3 branches low in Macon, IL; Prairie State Bank&Trust (Macon, IL): stress 52, 3 branches low in Macon, IL; Busey Bank (Macon, IL): stress 51, 3 branches low in Macon, IL; Gerber State Bank (Macon, IL): stress 68, 2 branches low in Macon, IL; Buena Vista National Bank (Macon, IL): stress 61, 2 branches low in Macon, IL.
Vacancy and permits, Macon, IL
6,162 of 49,630 Macon, IL housing units are vacant; Macon, IL permits, twelve months: 0 multifamily units in Macon, IL, 32 one-to-four unit units.
Work Macon, IL at the parcel level
Every Macon, IL parcel carries owner and address; every Macon, IL parcel carries APN; Macon, IL distress scores sit on the Macon, IL live board.
Macon, IL figures refresh with each source.
Macon, IL questions
Most distressed ZIP code in Macon County, IL?
ZIP 62539 leads Macon, IL at 24/100; next in Macon, IL: 61925 at 17/100; the Macon, IL average is 15/100.
Where does Macon County, IL rank for investment opportunity?
Macon, IL is #1,552 among all ranked counties, #31 in Illinois; the Macon, IL driver is vacancy; Macon, IL moved up 332 places.
How many mortgages are delinquent in Macon County, IL?
Macon, IL takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Macon, IL.
Which banks lend in Macon County, IL?
8 watched lenders hold Macon, IL branches; the largest Macon, IL footprints are Hickory Point Bank&Trust (6), Scott State Bank (4), First Mid B&T Na (4).
More on Macon, IL
Macon County, IL distress report: public-record figures for Macon, IL; not legal advice for Macon, IL; not tax or investment advice; verify every Macon, IL record before acting.