Whiteside County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Whiteside County, IL distress report, 2026: 15 ZIPs scored in Whiteside, IL, Whiteside, IL average 19/100; the top Whiteside, IL ZIP is 61064 at 25/100; Whiteside, IL market phase expansion, Whiteside, IL prices +5.7% year over year.
- Whiteside, IL ranks #833 nationally (opportunity index); Whiteside, IL #11 in Illinois; Whiteside, IL index 31.8.
- Whiteside, IL: no CFPB county sample; Whiteside, IL non-metro area reading 1.4%.
- Whiteside, IL ZIP phases: 13 expansion, 2 peak.
- Whiteside, IL residential listings tracked: 23 across 12 ZIPs; Whiteside, IL candidate listings 15.
- Whiteside, IL HUD assisted properties: 3 with 66 units.
- Whiteside, IL lenders on watch: 8; largest Whiteside, IL footprint Sauk Valley Bank&Trust Co (5 branches).
- Whiteside, IL most distressed ZIP: 61064 at 25/100.
Whiteside, IL figures: DLRadar distress index; Whiteside, IL inputs: CFPB, FHFA, HUD, FDIC; Whiteside, IL rebuilt as sources refresh.
| Rank | Whiteside, IL ZIP | Score |
|---|---|---|
| 1 | 61064 | 25/100 |
| 2 | 61254 | 23/100 |
| 3 | 61277 | 21/100 |
| 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 Whiteside, IL ZIPs (0-100, 2026)
Mortgage delinquency around Whiteside, IL
No CFPB county sample covers Whiteside, IL; the non-metro area reading for Whiteside, IL: 1.4% ninety-plus; Whiteside, IL area thirty-to-eighty-nine 2.8% (December 2025, Whiteside, IL); Illinois overall 1.1%.
Opportunity index: Whiteside, IL
Whiteside, IL index 31.8, Whiteside, IL phase watchlist; Whiteside, IL primary driver bank institutional, Whiteside, IL second driver construction. Whiteside, IL components: property stress 14.4, foreclosure pressure 13.5, listing discounts 44.4, bank stress 67.5, insurance 0.0; Whiteside, IL pulse 34.9; Whiteside, IL capital opportunity 27.1.
ZIP market phases inside Whiteside, IL
15 Whiteside, IL ZIPs carry a price-cycle phase; Whiteside, IL ZIPs by phase (Whiteside, IL), deepest drawdown first: expansion, +5.4% YoY (Whiteside, IL): 61014; expansion, +5.7% YoY (Whiteside, IL): 61037, 61071, 61081, 61230, Whiteside, IL 61243, 61251, 61252, 61261, Whiteside, IL 61270; expansion, +5.6% YoY (Whiteside, IL): 61064, 61283; expansion, +5.5% YoY (Whiteside, IL): 61250; peak, +3.8% YoY (Whiteside, IL): 61254; peak, +4.9% YoY (Whiteside, IL): 61277.
Residential listings by Whiteside, IL ZIP
Whiteside, IL ZIPs with the most tracked Whiteside, IL residential listings: 61071 7 listings, 2 candidates, bank pressure 72; 61081 4 listings, 2 candidates, bank pressure 72; 61252 4 listings, 4 candidates, bank pressure 71; 61270 3 listings, 2 candidates, bank pressure 71 (Whiteside, IL); 61250 2 listings, 2 candidates, bank pressure 68; 61261 2 listings, 2 candidates, bank pressure 71; 61277 1 listings, 1 candidates, bank pressure 68; 61037 0 listings, 0 candidates, bank pressure 71. Whiteside, IL totals: 23 listings; Whiteside, IL candidates 15; active ZIPs 7.
HUD assisted housing in Whiteside, IL
3 assisted properties with 66 units sit in Whiteside, IL; largest Whiteside, IL properties: Greencastle Of Sterling, Inc. (Sterling) 32 units, 31 assisted; Prophet Manor Apartments (Prophetstown) 22 units, 22 assisted; Sci Apartments Iv (Sterling) 12 units, 12 assisted in Whiteside, IL.
Lenders with branches in Whiteside, IL
Whiteside, IL lenders by branch count: Sauk Valley Bank&Trust Co (Whiteside, IL): stress 83, 5 branches low in Whiteside, IL; Sterling Federal Bank Fsb (Whiteside, IL): stress 99, 4 branches low in Whiteside, IL; Community Stb Of Rock Falls (Whiteside, IL): stress 70, 4 branches low in Whiteside, IL; Central Bank Illinois (Whiteside, IL): stress 70, 2 branches low in Whiteside, IL; Midland States Bank (Whiteside, IL): stress 69, 2 branches low in Whiteside, IL; Morton Community Bank (Whiteside, IL): stress 60, 2 branches low in Whiteside, IL; Farmers National Bank (Whiteside, IL): stress 52, 2 branches low in Whiteside, IL; First Federal Savings Bank (Whiteside, IL): stress 80, 1 branch low in Whiteside, IL.
Vacancy and permits, Whiteside, IL
2,717 of 25,837 Whiteside, IL housing units are vacant; Whiteside, IL permits, twelve months: 0 multifamily units in Whiteside, IL, 26 one-to-four unit units.
Work Whiteside, IL at the parcel level
Every Whiteside, IL parcel carries owner and address; every Whiteside, IL parcel carries APN; Whiteside, IL distress scores sit on the Whiteside, IL live board.
Whiteside, IL figures refresh with each source.
Whiteside, IL questions
Most distressed ZIP code in Whiteside County, IL?
ZIP 61064 leads Whiteside, IL at 25/100; next in Whiteside, IL: 61254 at 23/100; the Whiteside, IL average is 19/100.
Where does Whiteside County, IL rank for investment opportunity?
Whiteside, IL is #833 among all ranked counties, #11 in Illinois; the Whiteside, IL driver is bank institutional; Whiteside, IL moved up 307 places.
How many mortgages are delinquent in Whiteside County, IL?
Whiteside, IL takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Whiteside, IL.
Which banks lend in Whiteside County, IL?
8 watched lenders hold Whiteside, IL branches; the largest Whiteside, IL footprints are Sauk Valley Bank&Trust Co (5), Sterling Federal Bank Fsb (4), Community Stb Of Rock Falls (4).
More on Whiteside, IL
Whiteside County, IL distress report: public-record figures for Whiteside, IL; not legal advice for Whiteside, IL; not tax or investment advice; verify every Whiteside, IL record before acting.