Stephenson County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Stephenson County, Illinois? DLRadar grades every Stephenson County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Stephenson County breakdown.
- Stephenson County's most distressed ZIP is 61063 at 27/100.
- 19 ZIP codes tracked in Stephenson County, averaging 21/100 distress.
- Stephenson County reads expansion — home values up 5.7% year over year.
- Vacancy runs 8.6% across Stephenson County's tracked ZIPs, with a 8.1% poverty rate.
- The typical Stephenson County home is worth about $159,400 against a ~$67,340 median income.
- Lending headwind in Stephenson County sits at 69/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 61063 | 27/100 |
| 2 | 61007 | 25/100 |
| 3 | 61047 | 25/100 |
| 4 | 61039 | 24/100 |
| 5 | 61019 | 22/100 |
| 6 | 61013 | 20/100 |
| 7 | 61018 | 20/100 |
| 8 | 61027 | 20/100 |
| 9 | 61032 | 20/100 |
| 10 | 61044 | 20/100 |
| 11 | 61048 | 20/100 |
| 12 | 61050 | 20/100 |
Most distressed ZIP codes in Stephenson County (composite distress 0-100, 2026)
What is driving Stephenson County distress
Nothing here is estimated: Stephenson County is scored from filings alone, and its ZIPs average 21/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Stephenson County market phase and pricing
The cycle in Stephenson County is expansion, with values up 5.7% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Questions and answers
What is the most distressed ZIP code in Stephenson County, IL?
ZIP 61063 leads Stephenson County at 27/100, recomputed monthly from public records.
What stage of the price cycle is Stephenson County at?
FHFA price-index movement places Stephenson County in expansion; prices are up 5.7% over twelve months.
What is this Stephenson County analysis built from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 19 Stephenson County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Stephenson County ZIP codes?
Averaging the county conceals how uneven it is. Across the Stephenson County ZIPs DLRadar ranks, scores run from 27/100 in 61063 down to 20/100 in 61050, against a Stephenson County average of 21/100. The 7-point range is the argument for ZIP-level search across Stephenson County.
What do Stephenson County home values and vacancy say about distressed supply?
The typical Stephenson County home carries about $159,400 of value against a median household income near $67,340. Vacancy across Stephenson County's tracked ZIPs runs 8.6% and the poverty rate is 8.1%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Stephenson County's foreclosure and tax-lien record and its 69/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.