White County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in White County, Illinois? DLRadar grades every White County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 21/100. Here is the 2026 White County breakdown.
- White County's most distressed ZIP is 62820 at 21/100.
- 11 ZIP codes tracked in White County, averaging 13/100 distress.
- White County reads expansion — home values up 5.3% year over year.
- Vacancy runs 19.2% across White County's tracked ZIPs, with a 20.5% poverty rate.
- The typical White County home is worth about $81,360 against a ~$52,407 median income.
- Lending headwind in White County sits at 55/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 62820 | 21/100 |
| 2 | 62821 | 14/100 |
| 3 | 62827 | 14/100 |
| 4 | 62861 | 14/100 |
| 5 | 62862 | 14/100 |
| 6 | 62869 | 14/100 |
| 7 | 62835 | 12/100 |
| 8 | 62867 | 11/100 |
| 9 | 62844 | 10/100 |
| 10 | 62887 | 10/100 |
| 11 | 62871 | 5/100 |
Most distressed ZIP codes in White County (composite distress 0-100, 2026)
What is driving White County distress
Nothing here is estimated: White County is scored from filings alone, and its ZIPs average 13/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
White County market phase and pricing
DLRadar places White County in expansion; prices moved up 5.3% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in White County
Keep reading the White County data at no cost, or open a 60-minute exploration to work the actual distressed parcels inside each ZIP.
No card charged today · explore every module with live data.
Frequently asked questions
Where is distress highest inside White County, IL?
ZIP 62820 leads White County at 21/100, recomputed monthly from public records.
Where is White County in the housing cycle?
Phase for White County: expansion, tracking a 5.3% gain year over year, read off the FHFA index.
What is this White County analysis built from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 11 White County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between White County ZIP codes?
Averaging the county conceals how uneven it is. Across the White County ZIPs DLRadar ranks, scores run from 21/100 in 62820 down to 5/100 in 62871, against a White County average of 13/100. The 16-point range is the argument for ZIP-level search across White County.
What do White County home values and vacancy say about distressed supply?
The typical White County home carries about $81,360 of value against a median household income near $52,407. Vacancy across White County's tracked ZIPs runs 19.2% and the poverty rate is 20.5%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with White County's filings and its 55/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.