Madison County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Madison County, Illinois? DLRadar grades every Madison County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 34/100. Here is the 2026 Madison County breakdown.
- Madison County's most distressed ZIP is 62201 at 34/100.
- 36 ZIP codes tracked in Madison County, averaging 20/100 distress.
- Madison County reads peak — home values up 3.9% year over year.
- Vacancy runs 8.7% across Madison County's tracked ZIPs, with a 12% poverty rate.
- The typical Madison County home is worth about $178,151 against a ~$77,798 median income.
- Lending headwind in Madison County sits at 52/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 62201 | 34/100 |
| 2 | 62254 | 34/100 |
| 3 | 62293 | 26/100 |
| 4 | 62234 | 23/100 |
| 5 | 62060 | 21/100 |
| 6 | 62294 | 21/100 |
| 7 | 62001 | 20/100 |
| 8 | 62002 | 20/100 |
| 9 | 62010 | 20/100 |
| 10 | 62018 | 20/100 |
| 11 | 62021 | 20/100 |
| 12 | 62024 | 20/100 |
Most distressed ZIP codes in Madison County (composite distress 0-100, 2026)
What is driving Madison County distress
DLRadar builds Madison County's distress picture only from records anyone can pull; its ZIPs average 20/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Madison County market phase and pricing
Madison County currently sits in peak after a 3.9% 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 Madison County
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Questions and answers
Which part of Madison County, IL scores highest for distress?
ZIP 62201 leads Madison County at 34/100, recomputed monthly from public records.
What stage of the price cycle is Madison County at?
Phase for Madison County: peak, tracking a 3.9% gain year over year, read off the FHFA index.
What is this Madison County analysis built from?
Every Madison County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 36 Madison County ZIP codes that it runs on every other U.S. county, so Madison County's numbers are directly comparable to any other market.
How much do distress scores vary between Madison County ZIP codes?
The county figure is a blend, not a description. Across the Madison County ZIPs DLRadar ranks, scores run from 34/100 in 62201 down to 20/100 in 62024, against a Madison County average of 20/100. A spread of 14 points means Madison County has to be worked ZIP by ZIP.
What do Madison County home values and vacancy say about distressed supply?
The typical Madison County home carries about $178,151 of value against a median household income near $77,798. Vacancy across Madison County's tracked ZIPs runs 8.7% and the poverty rate is 12%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Madison County's foreclosure and tax-lien filings and its 52/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.