Whiteside County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Whiteside County, Illinois? DLRadar grades every Whiteside County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Whiteside County breakdown.
- Whiteside County's most distressed ZIP is 61064 at 25/100.
- 15 ZIP codes tracked in Whiteside County, averaging 19/100 distress.
- Whiteside County reads expansion — home values up 5.7% year over year.
- Vacancy runs 8.8% across Whiteside County's tracked ZIPs, with a 7.6% poverty rate.
- The typical Whiteside County home is worth about $146,720 against a ~$68,522 median income.
- Lending headwind in Whiteside County sits at 83/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 61064 | 25/100 |
| 2 | 61254 | 21/100 |
| 3 | 61277 | 20/100 |
| 4 | 61037 | 19/100 |
| 5 | 61071 | 19/100 |
| 6 | 61081 | 19/100 |
| 7 | 61230 | 19/100 |
| 8 | 61243 | 19/100 |
| 9 | 61250 | 19/100 |
| 10 | 61251 | 19/100 |
| 11 | 61252 | 19/100 |
| 12 | 61261 | 19/100 |
Most distressed ZIP codes in Whiteside County (composite distress 0-100, 2026)
What is driving Whiteside County distress
Nothing here is estimated: Whiteside County is scored from filings alone, and its ZIPs average 19/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Whiteside County market phase and pricing
Whiteside County reads expansion — home prices rose 5.7% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Whiteside County
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Questions and answers
What is the hardest-hit ZIP in Whiteside County?
ZIP 61064 leads Whiteside County at 25/100, recomputed monthly from public records.
Is Whiteside County expanding or contracting?
The market phase for Whiteside County is expansion, prices rising 5.7% on the year — derived from the FHFA House Price Index path.
How is the Whiteside County data sourced?
Whiteside County draws on FHFA (expansion trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 15 ZIPs are comparable to anywhere else.
How much do distress scores vary between Whiteside County ZIP codes?
A county average hides the spread. Across the Whiteside County ZIPs DLRadar ranks, scores run from 25/100 in 61064 down to 19/100 in 61261, against a Whiteside County average of 19/100. Those 6 points separate the ZIPs worth working in Whiteside County from the rest.
What do Whiteside County home values and vacancy say about distressed supply?
The typical Whiteside County home carries about $146,720 of value against a median household income near $68,522. Vacancy across Whiteside County's tracked ZIPs runs 8.8% and the poverty rate is 7.6%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Whiteside County's foreclosure and tax-lien filings and its 83/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.