Illinois County Foreclosure & Distress Reports (2026)

One report per county — 102 in Illinois — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the Illinois distress hub; insurance pressure is on the Illinois home-insurance page.

102 Illinois county reports sit in this archive; Illinois opportunity phases run 54 weak, 27 early_signal, 18 watchlist; Illinois ninety-day delinquency 1.1%; 328 banks chartered in Illinois; 74,090 HUD-assisted Illinois units.

Illinois counties to open first by opportunity rank: St. Clair (#270, peak_opportunity); Jersey (#421, peak_opportunity); Carroll (#502, peak_opportunity) in Illinois; Putnam (#651, early_signal); Washington (#760, watchlist); Vermilion (#760, watchlist).

Illinois insurance bands across counties: 59 zero in Illinois, 38 low, 5 medium; Illinois NFIP claims 655 in three years.

Illinois counties in the expansion phase (81): Adams, Boone, Brown, Bureau, Carroll, Cass (Illinois), Christian, Clark, Clay, Coles, Cook, Crawford (Illinois), Cumberland, Dekalb, De Witt, Douglas, Dupage, Edgar (Illinois), Edwards, Effingham, Fayette, Franklin, Fulton, Gallatin (Illinois), Greene, Grundy, Hamilton, Hancock, Hardin, Henderson (Illinois), Iroquois, Jackson, Jasper, Jefferson, Jo Daviess, Johnson (Illinois), Kane, Kankakee, Kendall, Knox, Lake, Lasalle (Illinois), Lawrence, Lee, Livingston, Logan, Marion, Mason (Illinois), Massac, Mcdonough, Mchenry, Mclean, Menard, Montgomery (Illinois), Morgan, Moultrie, Ogle, Perry, Pike, Pope (Illinois), Pulaski, Putnam, Randolph, Richland, Saline, Sangamon (Illinois), Schuyler, Scott, Shelby, Stephenson, Union, Vermilion (Illinois), Wabash, Warren, Washington, Wayne, White, Whiteside (Illinois), Will, Williamson, Winnebago.

Illinois counties in the peak phase (21): Alexander, Bond, Calhoun, Champaign, Clinton, Ford (Illinois), Henry, Jersey, Macon, Macoupin, Madison, Marshall (Illinois), Mercer, Monroe, Peoria, Piatt, Rock Island, Stark (Illinois), St. Clair, Tazewell, Woodford.

Illinois permitted 19,157 housing units in twelve months; 421,003 Illinois units sit vacant of 5,457,452.

Illinois counties highest on the national opportunity index: St. Clair #270 (35.0/100, peak_opportunity); Jersey #421 (33.8/100, peak_opportunity); Carroll #502 (33.4/100, peak_opportunity) in Illinois; Putnam #651 (32.6/100, early_signal); Washington #760 (32.1/100, watchlist); Jo Daviess #760 (32.1/100, watchlist) in Illinois; Vermilion #760 (32.1/100, watchlist); Marshall #785 (32.0/100, watchlist); Hardin #785 (32.0/100, watchlist) in Illinois; Warren #785 (32.0/100, watchlist); Marion #816 (31.9/100, watchlist); Cass #816 (31.9/100, watchlist) in Illinois.

How the Illinois county reports are scored: each Illinois report reads its county's foreclosure filings, Illinois tax-lien and tax-deed records, FHA mortgage delinquency in Illinois (ninety-day rate 1.1%, December 2025), the FDIC stress of Illinois lenders (328 chartered in Illinois) and FEMA/NFIP pressure on Illinois (655 NFIP claims, three years), then scores every Illinois ZIP 0-100.

St. Clair County leads Illinois on the opportunity index at #270 nationally with 34 scored ZIPs. Every Illinois report is rebuilt monthly from public records; a Illinois county whose data lapses keeps its Illinois page and says so.

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