St. Clair County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
St. Clair County, IL distress report, 2026: 34 ZIPs scored in St. Clair, IL, St. Clair, IL average 32/100; the top St. Clair, IL ZIP is 62059 at 35/100; St. Clair, IL market phase peak, St. Clair, IL prices +3.9% year over year.
- St. Clair, IL ranks #289 nationally (opportunity index); St. Clair, IL #1 in Illinois; St. Clair, IL index 34.8.
- St. Clair, IL ninety-day mortgage delinquency 1.3% in December 2025; St. Clair, IL twelve-month change +0.8%.
- St. Clair, IL ZIP phases: 34 peak.
- St. Clair, IL residential listings tracked: 176 across 27 ZIPs; St. Clair, IL candidate listings 87.
- St. Clair, IL HUD assisted properties: 18 with 1,936 units.
- St. Clair, IL lenders on watch: 8; largest St. Clair, IL footprint First Nb Of Waterloo (8 branches).
- St. Clair, IL most distressed ZIP: 62059 at 35/100.
St. Clair, IL figures: DLRadar distress index; St. Clair, IL inputs: CFPB, FHFA, HUD, FDIC; St. Clair, IL rebuilt as sources refresh.
| Rank | St. Clair, IL ZIP | Score |
|---|---|---|
| 1 | 62059 | 35/100 |
| 2 | 62203 | 35/100 |
| 3 | 62204 | 35/100 |
| 4 | 62205 | 35/100 |
| 5 | 62206 | 35/100 |
| 6 | 62207 | 35/100 |
| 7 | 62208 | 35/100 |
| 8 | 62220 | 35/100 |
| 9 | 62221 | 35/100 |
| 10 | 62223 | 35/100 |
| 11 | 62225 | 35/100 |
| 12 | 62226 | 35/100 |
Most distressed St. Clair, IL ZIPs (0-100, 2026)
Mortgage delinquency in St. Clair, IL
1.3% of St. Clair, IL mortgages were ninety-plus days late (St. Clair, IL, December 2025); St. Clair, IL thirty-to-eighty-nine days late: 3.0%; St. Clair, IL twelve-month change +0.8%; St. Clair, IL peak since 2008: 4.4% (January 2010); Illinois overall 1.1%. St. Clair, IL ninety-day series: Dec 24 0.5, Jan 25 1.0, Feb 25 1.0 (St. Clair, IL), Mar 25 1.1, Apr 25 1.1, May 25 1.4 (St. Clair, IL), Jun 25 1.4, Jul 25 1.2, Aug 25 1.1 (St. Clair, IL), Sep 25 1.0, Oct 25 1.1, Nov 25 1.3 (St. Clair, IL), Dec 25 1.3.
Opportunity index: St. Clair, IL
St. Clair, IL index 34.8, St. Clair, IL phase peak_opportunity; St. Clair, IL primary driver construction, St. Clair, IL second driver bank institutional. St. Clair, IL components: property stress 19.4, foreclosure pressure 18.8, listing discounts 47.0, bank stress 58.8, insurance 0.0; St. Clair, IL pulse 37.4; St. Clair, IL capital opportunity 31.0; St. Clair, IL seven-day change +0.2%.
ZIP market phases inside St. Clair, IL
34 St. Clair, IL ZIPs carry a price-cycle phase; St. Clair, IL ZIPs by phase (St. Clair, IL), deepest drawdown first: peak, +3.9% YoY (St. Clair, IL): 62059, 62060, 62201, 62203, St. Clair, IL 62204, 62205, 62206, 62207, St. Clair, IL 62208, 62220, 62221, 62223, St. Clair, IL 62225, 62226, 62232, 62234.
Residential listings by St. Clair, IL ZIP
St. Clair, IL ZIPs with the most tracked St. Clair, IL residential listings: 62221 27 listings, 9 candidates, bank pressure 63; 62226 27 listings, 17 candidates, bank pressure 63; 62223 21 listings, 12 candidates, bank pressure 63; 62220 20 listings, 14 candidates, bank pressure 63 (St. Clair, IL); 62206 14 listings, 7 candidates, bank pressure 63; 62208 10 listings, 2 candidates, bank pressure 63; 62203 9 listings, 7 candidates, bank pressure 63; 62232 7 listings, 1 candidates, bank pressure 63. St. Clair, IL totals: 176 listings; St. Clair, IL candidates 87; active ZIPs 2.
HUD assisted housing in St. Clair, IL
18 assisted properties with 1,936 units sit in St. Clair, IL; largest St. Clair, IL properties: St. Clair Village (Belleville) 240 units, 79 assisted; Parkway Lakeside Apartment Homes (O Fallon) 232 units; Villas At Crystal Lake (Swansea) 216 units in St. Clair, IL; Parsons Place (East St. Louis) 174 units; Tamarack Woods Apartments (Shiloh) 160 units; Greystone Apts (Alorton) 148 units, 148 assisted.
Lenders with branches in St. Clair, IL
St. Clair, IL lenders by branch count: First Nb Of Waterloo (St. Clair, IL): stress 72, 8 branches low in St. Clair, IL; Citizens Community Bank (St. Clair, IL): stress 93, 4 branches low in St. Clair, IL; Fcb Banks (St. Clair, IL): stress 61, 4 branches low in St. Clair, IL; Farmers&Merchants Nb Nashvil (St. Clair, IL): stress 58, 3 branches low in St. Clair, IL; Busey Bank (St. Clair, IL): stress 51, 3 branches low in St. Clair, IL; First Fsb Of Mascoutah (St. Clair, IL): stress 74, 2 branches low in St. Clair, IL; Bank Of Springfield (St. Clair, IL): stress 68, 2 branches low in St. Clair, IL; Bank Of O Fallon (St. Clair, IL): stress 42, 2 branches low in St. Clair, IL.
Vacancy and permits, St. Clair, IL
14,784 of 115,630 St. Clair, IL housing units are vacant; St. Clair, IL permits, twelve months: 49 multifamily units in St. Clair, IL, 372 one-to-four unit units.
Work St. Clair, IL at the parcel level
Every St. Clair, IL parcel carries owner and address; every St. Clair, IL parcel carries APN; St. Clair, IL distress scores sit on the St. Clair, IL live board.
St. Clair, IL figures refresh with each source.
St. Clair, IL questions
Most distressed ZIP code in St. Clair County, IL?
ZIP 62059 leads St. Clair, IL at 35/100; next in St. Clair, IL: 62203 at 35/100; the St. Clair, IL average is 32/100.
Where does St. Clair County, IL rank for investment opportunity?
St. Clair, IL is #289 among all ranked counties, #1 in Illinois; the St. Clair, IL driver is construction; St. Clair, IL moved up 335 places.
How many mortgages are delinquent in St. Clair County, IL?
1.3% of St. Clair, IL mortgages were ninety-plus days late in December 2025; the St. Clair, IL peak since 2008 was 4.4%.
Which banks lend in St. Clair County, IL?
8 watched lenders hold St. Clair, IL branches; the largest St. Clair, IL footprints are First Nb Of Waterloo (8), Citizens Community Bank (4), Fcb Banks (4).
More on St. Clair, IL
St. Clair County, IL distress report: public-record figures for St. Clair, IL; not legal advice for St. Clair, IL; not tax or investment advice; verify every St. Clair, IL record before acting.