Mercer County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Mercer County, Illinois? DLRadar grades every Mercer County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Mercer County breakdown.
- Mercer County's most distressed ZIP is 61259 at 22/100.
- 18 ZIP codes tracked in Mercer County, averaging 11/100 distress.
- Mercer County reads peak — home values up 3.8% year over year.
- Vacancy runs 14.7% across Mercer County's tracked ZIPs, with a 6.8% poverty rate.
- The typical Mercer County home is worth about $144,194 against a ~$78,403 median income.
- Lending headwind in Mercer County sits at 67/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 61259 | 22/100 |
| 2 | 61264 | 22/100 |
| 3 | 61273 | 21/100 |
| 4 | 61262 | 20/100 |
| 5 | 61279 | 14/100 |
| 6 | 61412 | 13/100 |
| 7 | 61281 | 9/100 |
| 8 | 61465 | 9/100 |
| 9 | 61472 | 9/100 |
| 10 | 61442 | 8/100 |
| 11 | 61476 | 8/100 |
| 12 | 61231 | 7/100 |
Most distressed ZIP codes in Mercer County (composite distress 0-100, 2026)
What is driving Mercer County distress
Mercer County's placement in the national index rests on public filings — a 11/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Mercer County market phase and pricing
Mercer County currently sits in peak after a 3.8% 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 Mercer County
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Questions and answers
Which ZIP code leads Mercer County on distress?
ZIP 61259 leads Mercer County at 22/100, recomputed monthly from public records.
Is Mercer County expanding or contracting?
Phase for Mercer County: peak, tracking a 3.8% gain year over year, read off the FHFA index.
What is this Mercer County analysis built from?
Each Mercer County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 18 local ZIPs and every other county in the country.
How much do distress scores vary between Mercer County ZIP codes?
One county number flattens a wide range. Across the Mercer County ZIPs DLRadar ranks, scores run from 22/100 in 61259 down to 7/100 in 61231, against a Mercer County average of 11/100. That 15-point gap is why acquisition targeting in Mercer County works at ZIP level rather than county level.
What do Mercer County home values and vacancy say about distressed supply?
The typical Mercer County home carries about $144,194 of value against a median household income near $78,403. Vacancy across Mercer County's tracked ZIPs runs 14.7% and the poverty rate is 6.8%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Mercer County's foreclosure and tax-lien record and its 67/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.