Madison County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Madison County, IL distress report, 2026: 36 ZIPs scored in Madison, IL, Madison, IL average 20/100; the top Madison, IL ZIP is 62201 at 34/100; Madison, IL market phase peak, Madison, IL prices +3.9% year over year.
- Madison, IL ranks #1,993 nationally (opportunity index); Madison, IL #53 in Illinois; Madison, IL index 27.7.
- Madison, IL ninety-day mortgage delinquency 0.8% in December 2025; Madison, IL twelve-month change +0.1%.
- Madison, IL ZIP phases: 36 peak.
- Madison, IL residential listings tracked: 124 across 28 ZIPs; Madison, IL candidate listings 77.
- Madison, IL HUD assisted properties: 12 with 582 units.
- Madison, IL lenders on watch: 8; largest Madison, IL footprint Fcb Banks (9 branches).
- Madison, IL most distressed ZIP: 62201 at 34/100.
Madison, IL figures: DLRadar distress index; Madison, IL inputs: CFPB, FHFA, HUD, FDIC; Madison, IL rebuilt as sources refresh.
| Rank | Madison, IL ZIP | Score |
|---|---|---|
| 1 | 62201 | 34/100 |
| 2 | 62254 | 34/100 |
| 3 | 62293 | 26/100 |
| 4 | 62234 | 23/100 |
| 5 | 62001 | 20/100 |
| 6 | 62010 | 20/100 |
| 7 | 62018 | 20/100 |
| 8 | 62021 | 20/100 |
| 9 | 62024 | 20/100 |
| 10 | 62025 | 20/100 |
| 11 | 62026 | 20/100 |
| 12 | 62034 | 20/100 |
Most distressed Madison, IL ZIPs (0-100, 2026)
Mortgage delinquency in Madison, IL
0.8% of Madison, IL mortgages were ninety-plus days late (Madison, IL, December 2025); Madison, IL thirty-to-eighty-nine days late: 3.3%; Madison, IL twelve-month change +0.1%; Madison, IL peak since 2008: 3.5% (January 2011); Illinois overall 1.1%. Madison, IL ninety-day series: Dec 24 0.7, Jan 25 0.9, Feb 25 0.9 (Madison, IL), Mar 25 0.9, Apr 25 0.8, May 25 1.0 (Madison, IL), Jun 25 1.1, Jul 25 1.0, Aug 25 0.8 (Madison, IL), Sep 25 0.7, Oct 25 0.6, Nov 25 0.8 (Madison, IL), Dec 25 0.8.
Opportunity index: Madison, IL
Madison, IL index 27.7, Madison, IL phase weak; Madison, IL primary driver bank institutional, Madison, IL second driver listings discount. Madison, IL components: property stress 11.2, foreclosure pressure 10.3, listing discounts 43.7, bank stress 59.1, insurance 0.0; Madison, IL pulse 27.5; Madison, IL capital opportunity 28.0; Madison, IL seven-day change +0.1%.
ZIP market phases inside Madison, IL
36 Madison, IL ZIPs carry a price-cycle phase; Madison, IL ZIPs by phase (Madison, IL), deepest drawdown first: peak, +3.9% YoY (Madison, IL): 62001, 62002, 62010, 62012, Madison, IL 62018, 62021, 62024, 62025, Madison, IL 62026, 62034, 62035, 62040, Madison, IL 62046, 62048, 62058, 62060.
Residential listings by Madison, IL ZIP
Madison, IL ZIPs with the most tracked Madison, IL residential listings: 62040 32 listings, 21 candidates, bank pressure 65; 62234 16 listings, 10 candidates, bank pressure 64; 62002 15 listings, 11 candidates, bank pressure 65; 62025 13 listings, 9 candidates, bank pressure 65 (Madison, IL); 62024 10 listings, 7 candidates, bank pressure 65; 62095 8 listings, 3 candidates, bank pressure 65; 62034 5 listings, 3 candidates, bank pressure 65; 62035 4 listings, 1 candidates, bank pressure 65. Madison, IL totals: 124 listings; Madison, IL candidates 77; active ZIPs 18.
HUD assisted housing in Madison, IL
12 assisted properties with 582 units sit in Madison, IL; largest Madison, IL properties: Township Village Apts (East Alton) 122 units, 122 assisted; Town And Country Apts (Ihda) (Granite City) 121 units, 121 assisted; Bissel Apartments (Venice) 92 units, 92 assisted in Madison, IL; Faith Countryside Homes Phase I (Highland) 56 units; Storey Manor (Cottage Hills) 50 units, 50 assisted; Golden Oaks Apartment (Wood River) 40 units, 40 assisted.
Lenders with branches in Madison, IL
Madison, IL lenders by branch count: Fcb Banks (Madison, IL): stress 61, 9 branches low in Madison, IL; Busey Bank (Madison, IL): stress 51, 9 branches low in Madison, IL; Constitution Bank Na (Madison, IL): stress 71, 6 branches low in Madison, IL; First Mid B&T Na (Madison, IL): stress 62, 5 branches low in Madison, IL; Bradford Nb Of Greenville (Madison, IL): stress 64, 4 branches low in Madison, IL; United Community Bank (Madison, IL): stress 63, 4 branches low in Madison, IL; Carrollton Bank (Madison, IL): stress 77, 3 branches low in Madison, IL; Heartland Bank&Trust Co (Madison, IL): stress 51, 3 branches low in Madison, IL.
Vacancy and permits, Madison, IL
9,034 of 119,168 Madison, IL housing units are vacant; Madison, IL permits, twelve months: 162 multifamily units in Madison, IL, 366 one-to-four unit units.
Work Madison, IL at the parcel level
Every Madison, IL parcel carries owner and address; every Madison, IL parcel carries APN; Madison, IL distress scores sit on the Madison, IL live board.
Madison, IL figures refresh with each source.
Madison, IL questions
Most distressed ZIP code in Madison County, IL?
ZIP 62201 leads Madison, IL at 34/100; next in Madison, IL: 62254 at 34/100; the Madison, IL average is 20/100.
Where does Madison County, IL rank for investment opportunity?
Madison, IL is #1,993 among all ranked counties, #53 in Illinois; the Madison, IL driver is bank institutional; Madison, IL moved up 778 places.
How many mortgages are delinquent in Madison County, IL?
0.8% of Madison, IL mortgages were ninety-plus days late in December 2025; the Madison, IL peak since 2008 was 3.5%.
Which banks lend in Madison County, IL?
8 watched lenders hold Madison, IL branches; the largest Madison, IL footprints are Fcb Banks (9), Busey Bank (9), Constitution Bank Na (6).
More on Madison, IL
Madison County, IL distress report: public-record figures for Madison, IL; not legal advice for Madison, IL; not tax or investment advice; verify every Madison, IL record before acting.