Stephenson County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Stephenson County, IL distress report, 2026: 19 ZIPs scored in Stephenson, IL, Stephenson, IL average 20/100; the top Stephenson, IL ZIP is 61063 at 27/100; Stephenson, IL market phase expansion, Stephenson, IL prices +5.7% year over year.
- Stephenson, IL ranks #2,109 nationally (opportunity index); Stephenson, IL #58 in Illinois; Stephenson, IL index 27.3.
- Stephenson, IL: no CFPB county sample; Stephenson, IL non-metro area reading 1.4%.
- Stephenson, IL ZIP phases: 19 expansion.
- Stephenson, IL residential listings tracked: 22 across 14 ZIPs; Stephenson, IL candidate listings 11.
- Stephenson, IL HUD assisted properties: 6 with 279 units.
- Stephenson, IL lenders on watch: 6; largest Stephenson, IL footprint Foresight Bank (4 branches).
- Stephenson, IL most distressed ZIP: 61063 at 27/100.
Stephenson, IL figures: DLRadar distress index; Stephenson, IL inputs: CFPB, FHFA, HUD, FDIC; Stephenson, IL rebuilt as sources refresh.
| Rank | Stephenson, IL ZIP | Score |
|---|---|---|
| 1 | 61063 | 27/100 |
| 2 | 61047 | 25/100 |
| 3 | 61007 | 24/100 |
| 4 | 61039 | 24/100 |
| 5 | 61019 | 22/100 |
| 6 | 61044 | 20/100 |
| 7 | 61048 | 20/100 |
| 8 | 61062 | 20/100 |
| 9 | 61089 | 20/100 |
| 10 | 61013 | 19/100 |
| 11 | 61018 | 19/100 |
| 12 | 61027 | 19/100 |
Most distressed Stephenson, IL ZIPs (0-100, 2026)
Mortgage delinquency around Stephenson, IL
No CFPB county sample covers Stephenson, IL; the non-metro area reading for Stephenson, IL: 1.4% ninety-plus; Stephenson, IL area thirty-to-eighty-nine 2.8% (December 2025, Stephenson, IL); Illinois overall 1.1%.
Opportunity index: Stephenson, IL
Stephenson, IL index 27.3, Stephenson, IL phase weak; Stephenson, IL primary driver bank institutional, Stephenson, IL second driver vacancy. Stephenson, IL components: property stress 12.2, foreclosure pressure 10.0, listing discounts 31.4, bank stress 61.3, insurance 0.0; Stephenson, IL pulse 30.3; Stephenson, IL capital opportunity 22.8.
ZIP market phases inside Stephenson, IL
19 Stephenson, IL ZIPs carry a price-cycle phase; Stephenson, IL ZIPs by phase (Stephenson, IL), deepest drawdown first: expansion, +5.7% YoY (Stephenson, IL): 61007, 61013, 61018, 61027, Stephenson, IL 61032, 61039, 61050, 61060, Stephenson, IL 61067, 61070; expansion, +6.6% YoY (Stephenson, IL): 61019; expansion, +5.5% YoY (Stephenson, IL): 61044; expansion, +5.8% YoY (Stephenson, IL): 61047; expansion, +5.6% YoY (Stephenson, IL): 61048, 61062; expansion, +7.7% YoY (Stephenson, IL): 61063.
Residential listings by Stephenson, IL ZIP
Stephenson, IL ZIPs with the most tracked Stephenson, IL residential listings: 61032 13 listings, 8 candidates, bank pressure 67; 61019 5 listings, 1 candidates, bank pressure 66; 61062 2 listings, 2 candidates, bank pressure 66; 61089 2 listings, 0 candidates, bank pressure 64 (Stephenson, IL); 61013 0 listings, 0 candidates, bank pressure 67; 61018 0 listings, 0 candidates, bank pressure 67; 61027 0 listings, 0 candidates, bank pressure 67; 61039 0 listings, 0 candidates, bank pressure 72. Stephenson, IL totals: 22 listings; Stephenson, IL candidates 11; active ZIPs 4.
HUD assisted housing in Stephenson, IL
6 assisted properties with 279 units sit in Stephenson, IL; largest Stephenson, IL properties: Willow Park Apts (Freeport) 74 units, 74 assisted; Brewster-Hosmer Rad Conversion (Freeport) 64 units; Meadow Ridge Apartments (Freeport) 60 units, 60 assisted in Stephenson, IL; Freeport Senior Housing Ii (Freeport) 33 units, 33 assisted; Rolling Prairie (Freeport) 25 units, 24 assisted; Asi Freeport Senior Housing (Freeport) 23 units, 22 assisted.
Lenders with branches in Stephenson, IL
Stephenson, IL lenders by branch count: Foresight Bank (Stephenson, IL): stress 70, 4 branches low in Stephenson, IL; Community Bank (Stephenson, IL): stress 46, 3 branches low in Stephenson, IL; Union Savings Bank (Stephenson, IL): stress 92, 2 branches low in Stephenson, IL; Citizens State Bank (Stephenson, IL): stress 58, 2 branches low in Stephenson, IL; Solutions Bank (Stephenson, IL): stress 82, 1 branch low in Stephenson, IL; State Bank Of Pearl City (Stephenson, IL): stress 76, 1 branch low in Stephenson, IL.
Vacancy and permits, Stephenson, IL
1,972 of 21,330 Stephenson, IL housing units are vacant; Stephenson, IL permits, twelve months: 0 multifamily units in Stephenson, IL, 16 one-to-four unit units.
Work Stephenson, IL at the parcel level
Every Stephenson, IL parcel carries owner and address; every Stephenson, IL parcel carries APN; Stephenson, IL distress scores sit on the Stephenson, IL live board.
Stephenson, IL figures refresh with each source.
Stephenson, IL questions
Most distressed ZIP code in Stephenson County, IL?
ZIP 61063 leads Stephenson, IL at 27/100; next in Stephenson, IL: 61047 at 25/100; the Stephenson, IL average is 20/100.
Where does Stephenson County, IL rank for investment opportunity?
Stephenson, IL is #2,109 among all ranked counties, #58 in Illinois; the Stephenson, IL driver is bank institutional; Stephenson, IL moved up 132 places.
How many mortgages are delinquent in Stephenson County, IL?
Stephenson, IL takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Stephenson, IL.
Which banks lend in Stephenson County, IL?
6 watched lenders hold Stephenson, IL branches; the largest Stephenson, IL footprints are Foresight Bank (4), Community Bank (3), Union Savings Bank (2).
More on Stephenson, IL
Stephenson County, IL distress report: public-record figures for Stephenson, IL; not legal advice for Stephenson, IL; not tax or investment advice; verify every Stephenson, IL record before acting.