Monroe County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Monroe County, Illinois? DLRadar grades every Monroe County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 33/100. Here is the 2026 Monroe County breakdown.
- Monroe County's most distressed ZIP is 62264 at 33/100.
- 10 ZIP codes tracked in Monroe County, averaging 18/100 distress.
- Monroe County reads peak — home values up 3.9% year over year.
- Vacancy runs 12.5% across Monroe County's tracked ZIPs, with a 3.7% poverty rate.
- The typical Monroe County home is worth about $201,278 against a ~$95,704 median income.
- Lending headwind in Monroe County sits at 96/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 62264 | 33/100 |
| 2 | 62236 | 22/100 |
| 3 | 62298 | 20/100 |
| 4 | 62244 | 16/100 |
| 5 | 62248 | 16/100 |
| 6 | 62256 | 16/100 |
| 7 | 62279 | 16/100 |
| 8 | 62295 | 16/100 |
| 9 | 62278 | 15/100 |
| 10 | 62277 | 14/100 |
Most distressed ZIP codes in Monroe County (composite distress 0-100, 2026)
What is driving Monroe County distress
Monroe County's placement in the national index rests on public filings — a 18/100 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.
Monroe County market phase and pricing
Phase for Monroe County: peak (+3.9% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Monroe County
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Common questions
Where is distress highest inside Monroe County, IL?
ZIP 62264 leads Monroe County at 33/100, recomputed monthly from public records.
Is Monroe County expanding or contracting?
The market phase for Monroe County is peak, prices rising 3.9% on the year — derived from the FHFA House Price Index path.
How is the Monroe County data sourced?
Every Monroe 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 10 Monroe County ZIP codes that it runs on every other U.S. county, so Monroe County's numbers are directly comparable to any other market.
How much do distress scores vary between Monroe County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Monroe County ZIPs DLRadar ranks, scores run from 33/100 in 62264 down to 14/100 in 62277, against a Monroe County average of 18/100. The 19-point range is the argument for ZIP-level search across Monroe County.
What do Monroe County home values and vacancy say about distressed supply?
The typical Monroe County home carries about $201,278 of value against a median household income near $95,704. Vacancy across Monroe County's tracked ZIPs runs 12.5% and the poverty rate is 3.7%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Monroe County's foreclosure and lien data and its 96/100 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.